Speeding in Florida is not just a fine. Points, insurance increases, and in some cases a court appearance can add to the total cost. What you pay depends on how far over the limit you were, whether it happened in a school or construction zone, and whether you elect traffic school.

This guide provides a detailed cost breakdown by mph over the limit, explains Florida’s points system, and shows how traffic school can reduce the long-term impact of a citation.

Florida Speeding Ticket Costs by MPH Over the Limit

Although each county sets its own traffic fine schedule, most totals fall into predictable ranges once mandatory court costs and local surcharges are added. Below are representative examples from county clerk schedules.

Florida Speeding Ticket Cost Estimates
Speed Over the Limit Standard Road Fine* School / Construction Zone Fine* Notes
1–5 mph Warning Warning Officer discretion
6–9 mph $131–$149 $149 Lowest level citation
10–14 mph $199–$206 $299 Insurance impact often begins
15–19 mph $249–$256 $399 Higher penalty tier
20–29 mph $274–$281 $449 Significant fine + points
30+ mph $356+ Mandatory Court Hearing Hearing required

*Examples commonly seen in county schedules: Palm Beach Clerk – Traffic Fees, Alachua County Clerk – Traffic Fines, Pasco County Clerk – Traffic Fine Schedule. Counties add court costs and local surcharges, so totals vary.

Why School and Construction Zones Cost More

Florida law increases penalties in designated school and construction zones to protect pedestrians and workers. See Florida Statutes §318.18.

Florida’s “Super Speeder” Law (Effective July 1, 2025)

  • Definition: Driving 50 mph or more above the posted limit, or exceeding 100 mph in a manner that endangers others.
  • First offense: Minimum $500 fine and/or up to 30 days in jail.
  • Repeat offense (within five years): Up to $1,000 fine, up to 90 days in jail, and possible license revocation for up to one year.
  • Court requirement: A court appearance is required. These citations cannot simply be paid online.

Source: Florida Statutes, Chapter 318.

Florida Driver License Points System

  • 3 points: Speeding 15 mph or less over the limit.
  • 4 points: Speeding 16 mph or more over the limit.
  • 6 points: Speeding that results in a crash.

Suspensions: 12 points in 12 months (30 days), 18 points in 18 months (3 months), 24 points in 36 months (1 year). See FLHSMV – Points & Suspensions.

Insurance Rate Increases After a Speeding Ticket

The fine itself is often the smallest part of a violation. Many drivers see higher insurance premiums for about three years. Severe violations can lead to policy cancellation or reassignment to a high-risk pool.

How Traffic School Can Save You Money

Florida drivers may be eligible to take a Basic Driver Improvement (BDI) course to reduce the impact of a ticket.

Benefits:

  • 18% fine reduction.
  • No points added to your record when adjudication is withheld.
  • Insurers are generally prohibited from raising rates for that violation when you complete BDI.

Requirements:

  • Elect traffic school within 30 days of the citation.
  • Once every 12 months, no more than five times in a lifetime.
  • Not available for criminal speeding or for citations under the 2025 super-speeder statute.

Learn more: FLHSMV – Traffic Citations. Enroll in Florida Traffic School (MyIMPROV).

What To Do After Receiving a Ticket

  1. Review the citation for the fine amount, due date, and options.
  2. Decide whether to pay, contest, or elect traffic school.
  3. Confirm BDI eligibility if you want to avoid points and limit insurance impact.
  4. Act within 30 days to avoid additional penalties or a suspension.

Going a Different Direction

Instead of just taking the points and the fines, you may be able to take an online FL traffic school to help you out of this mess.

Florida is actually pretty generous when it comes to those who want to improve their skills on the road. Instead of penalizing drivers and causing them to hate the system, drivers can instead take a defensive driving class which will hopefully make the whole state safer.

FL traffic school can not only take care of the points, but you may be able to reduce the fines as well. And, as if that weren't enough, you can actually appeal to your insurance carrier to give you a better rate as well on your insurance. Taking an online traffic school also lets you keep your schedule pretty much as is, so there are even fewer reasons why this shouldn't be a viable option to you. Check into it before you just accept your expensive fate!

Start Your Online Course Now to Dismiss Your Ticket

Florida Speeding Ticket FAQs

How much is a 20 mph over speeding ticket in Florida?

Totals vary by county. Expect about $274–$281 on standard roads. In school or construction zones, doubled fines often land around $449 before local add-ons.

Do I have to go to court for speeding?

Yes, for 30+ mph over the limit there is a mandatory hearing. Extreme cases under the 2025 super-speeder law also require a court appearance.

Can I avoid points with traffic school?

If eligible, yes. Elect BDI within 30 days, use it once every 12 months, and no more than five times in a lifetime. Not available for 30+ mph over or for CDL holders.

How long will a speeding ticket affect my insurance?

Many insurers apply a surcharge for about three years. BDI withholds adjudication and prevents points, which can reduce the impact depending on your insurer.

What are the base fines by mph over the limit?

Statutory base fines are typically: 1–5 mph warning, 6–9 mph $25, 10–14 mph $100, 15–19 mph $150, 20–29 mph $175, 30+ mph $250. Counties add court costs, so totals are higher.

Are fines doubled in school or construction zones?

Yes. School zones double the fine and even 1–5 mph over carries a $50 penalty. Construction zones double fines when workers or equipment are present.

Can CDL holders elect traffic school to avoid points?

No. CDL holders are not eligible to make a BDI election in lieu of points.

How many points lead to a suspension?

12 points in 12 months (30 days), 18 in 18 months (3 months), 24 in 36 months (1 year).

How long do I have to act on a speeding ticket?

You generally have 30 days to pay, contest, or elect traffic school with the clerk listed on your citation. Missing the deadline can lead to extra fines and a suspension.

Do school-zone speed camera tickets have a different fine?

If issued by a school-zone speed camera and served by an authorized enforcement officer, the statute sets a $100 fine. Check your citation and local rules for details.

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