Colorado · CO

Colorado speeding ticket cost 2026

Colorado is the only state in this dataset where paying promptly is itself a point reduction. The statute that sets the point schedule also provides that paying a penalty assessment notice by its due date takes two points off any violation carrying three or more. Everywhere else the decision between paying and contesting is about money; here the prompt payment is a licensing instrument, and letting the notice lapse forfeits it.

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The state that issued the ticket — not the one you live in, if they differ.

Not sure which? The charge is named on the citation. Pick the closest match.

Where were you driving?

Work zones and school zones cost more, so this one is worth getting right.

What does your ticket say?

We've filled in your state's usual limit. If the ticket names a different one, use that.

Don't know your exact speed? Use the speed written on your citation.

Optional

Leave this blank if your citation does not show a total — plenty of them do not.

If the citation prints a total, enter it and we will use your figure for the ticket instead of our range. Everything else — the points, the course, the insurance model — is unaffected either way.

Moderate · 10 mph over the posted limit · Colorado draws its own line at 25 mph or more over the limit (C.R.S. § 42-4-1101(9)); this is below that

The ticket

$88$120

The fine and fees you pay the court

Estimated 3-year cost

~$870

The ticket plus 3 years of our insurance model

~$750 more than the ticket itself — and that part is our insurance model, not a bill anyone has sent you.

Ticket 14% Insurance 86%

Ticket

$88$120

Lower · higher end

Insurance

~$750

Over 3 years

Total

~$870

3-year cost

What this includes, and what moves it

The ticket includes: the base fine plus the court assessment, state surcharge and local fees normally added before you pay — the out-the-door amount, not the figure printed in the statute.

What moves a real bill within that range: the county and the individual court, your driving record, and the speed the officer actually wrote on the citation.

The insurance side is modelled — no state publishes it and no insurer is bound by it. It is broken out in full further down.

The three-year total adds the two together, using the higher end of the ticket range.

The ticket figure

Sourced
ⓘ Why this number, and where it's from

Colorado publishes no single statewide total — the amount is set by each court — so the fine figures shown here are assembled from the cited document plus typical court costs, not quoted from it.

Interpolated between Colorado's fines at 10, 20 and 30 mph over the limit, then shown as a band from 0.88× to 1.2× of that figure. The same offence in the same state genuinely costs different amounts in different courtrooms, so we publish a band rather than a single figure that would imply a precision nobody can offer.

Source: C.R.S. § 42-4-1701 — traffic offences classified, with the statutory penalty and surcharge schedule · retrieved September 2026 · Methodology

Before you pay

Three routes are usually open before the date printed on your citation. Which of them actually apply is set by your state and by the court named on the ticket — not by us.

  1. Pay it

    A guilty plea, and the quickest way to close the ticket.

    Paying is pleading guilty. The court records a conviction and the points above (0–12 points) go on your driving record. Your insurer reads that record the next time it re-rates you — which is where the insurance side of the figure above comes from. In many states paying also closes the other two routes, so it is worth asking the court what is still open before you do.

  2. Traffic school or a defensive-driving course

    Colorado allows a course for a ticket like this one.

    Completing an approved course can keep the conviction off your record where the state allows that, but it is not automatic: who qualifies, what the course actually removes and whether the court grants it are decided locally, and many states allow it only once in a set period. In a lot of them paying first closes the option, so ask before you pay. We do not publish a course price — that is set by the provider rather than the state, and we have not sourced it.

  3. Contest it, or ask for a reduction

    May be worth checking your options — the record matters more here than the fine.

    Contesting means entering a plea and having the charge heard. Depending on the state, and often on the individual court, what is on offer might be a reduction, a deferral, a hearing in writing, or an appearance in person. It costs you time, the outcome is never guaranteed, and nobody — us included — can tell you from here which way a particular court will go.

    Worth checking your options — Colorado's traffic school program allows point removal, and points accumulate quickly: 12 points in 12 months means a suspension.

⏱ Your deadline. The date you have to respond by is printed on your citation. We do not hold that date and will not guess it — read it off the ticket, and take anything unclear to the court named on it.

ⓘ What happens next, step by step
  1. Today

    Read the citation itself. It names the charge, the court that holds it, and the date your response is due. Everything below hangs off those three things.

  2. Before that date

    Choose a route. Doing nothing is also a choice, and it is the one with no upside — what a missed date costs is set by the court, and it is printed on the citation alongside the date.

  3. If it becomes a conviction

    The court reports it and your state adds it to your driving record. This is the step a course or a reduction is trying to avoid, which is why the order you do things in matters.

  4. At your next renewal

    Your insurer checks your record when it re-rates you, not when the ticket is written. A premium change usually turns up at that renewal rather than immediately.

  5. In the years after

    Three separate clocks run — how long the violation stays on your record, how long the points keep counting toward a suspension, and how far back your insurer looks. Two are set by your state and one by the insurer, and they do not have to agree.

DMV Points Added

0–12 points

Three separate clocks start once a conviction is recorded, and different people set them:

  • Your record — how long the violation itself stays on it. Your state's DMV decides.
  • These points — how long they keep counting toward a suspension. Also a state rule, and often shorter than the record entry.
  • Your insurer's lookback — how far back it checks when it re-rates you. Set by the insurer, not the state, and it can outlast both.

We don't publish a length for any of the three. Your state's DMV publishes the first two.

Colorado DMV →
Verified
ⓘ Why this number, and where it's from

Colorado's own published point value for this offence, shown as published.

Taken from Colorado's point schedule unchanged — we adjust it only above 20 mph over the limit.

Source: C.R.S. § 42-2-127 — authority to suspend, with the statutory point schedule by mph over · retrieved September 2026 · Methodology

Traffic School

✅ May qualify

Where a state allows it, completing an approved course can keep the conviction off your record. Eligibility, the effect and whether the court grants it are all state-specific — it is not automatic.

Sourced
ⓘ Why this number, and where it's from

Colorado's traffic-school rule was checked against a published description, though not the state's own primary page.

Colorado's own rule decides whether the option exists; we stop showing it beyond 25 mph over the limit. Whether the court grants it in your case is a separate decision that neither we nor the DMV make.

Source: C.R.S. § 42-2-127 — Colorado runs no statewide point-reduction course; the statute instead cuts 2 points for paying a penalty assessment notice on time · retrieved September 2026 · Methodology

Estimated insurance impact

Year 1 +$300/yr
Year 2 +$250/yr
Year 3 +$200/yr
3-year total ~$750

A model, not a quote. We place each state in one of four dollar-impact tiers and adjust for the violation type. No state publishes this figure and no insurer is bound by it — yours may charge more, less, or nothing at all. How we model it →

Modelled
ⓘ Why this number, and where it's from

No state publishes this figure and no insurer is bound by it. Yours may charge more, less, or nothing at all.

Colorado sits in our moderate premium-impact tier: $300, $250 and $200 across three years for a moving violation. Everything above is a model, not a quote.

Methodology

Worth knowing in your state

Colorado writes both its fines and its points into statute rather than leaving them to each court. Points run 0 at 1–4 mph over, 1 at 5–9, 4 at 10–19, 6 at 20–39 and 12 at 40 or more — and 12 points in 12 months (or 18 in 24) suspends the licence, so a single 40-over ticket is a suspension on its own. Paying a penalty assessment notice by the due date knocks 2 points off any violation worth 3 or more.

⚠️ These are estimates only and do not constitute legal advice. Verify exact amounts with your local court.

Estimated. Colorado publishes no single statewide total — the amount is set by each court — so the fine figures shown here are assembled from the cited document plus typical court costs, not quoted from it. Source: C.R.S. § 42-4-1701 — traffic offences classified, with the statutory penalty and surcharge schedule · retrieved September 2026 · Methodology

The Colorado speeding fine schedule

These are the three anchors the estimate is built from. The calculator above interpolates between them for the speed on your own citation, then adds the modelled insurance impact.

Speed over the limit Estimated amount due
Up to 10 mph over $100
Around 20 mph over $162
30 mph over or more $240

DMV points

0–12 points

Traffic school

Available for speeding

Insurance, 3 years

$750

The insurance figure is a model of ours, not a rate any insurer publishes. It is the same four-tier model applied to every state, and the methodology page sets out exactly what it is and is not.

Where Colorado stops calling it a speeding ticket

At 25 mph or more over the limit, C.R.S. § 42-4-1101(9) makes it a class 2 misdemeanor traffic offense — a class 1 offense in a work zone. Above that line this is not an infraction with a larger fine — it is a different offence, and the figures on this page do not price it.

Source: C.R.S. § 42-4-1101(9) — speeding 25 mph or more over the limit is a class 2 misdemeanor traffic offense · retrieved September 2026

What makes Colorado different

The point bands themselves are steep and they are statutory rather than administrative. They run from nothing at the smallest margins through to a very large figure at the top, against a threshold reached inside twelve months — steep enough that a single citation at the highest band is a suspension on its own, with no accumulation required.

At the far end the charge changes character. A large enough margin over the limit is a misdemeanor traffic offence rather than an infraction, and a higher class again in a work zone. The callout above gives the statutory line for this state; the fine schedule on this page does not price what sits above it.

How a Colorado traffic case actually works

Colorado writes most speeding as a penalty assessment notice, which states a fine and a point value and can be settled by paying by the due date. Paying is an admission of liability and it is also what triggers the two-point reduction, so the two effects arrive together and the deadline governs both.

A driver who does not pay is summoned to the county court instead, where the matter is heard as an infraction or, at the higher margins, as a misdemeanor traffic offence. A plea to a lower speed band is a familiar outcome in county court, and because the bands are so far apart it is worth more here than the money difference suggests.

Missing the due date on a penalty assessment does not close the matter; it converts it into a summons, adds costs, and loses the prompt-payment reduction. The date on the notice is therefore not a payment convenience but part of the penalty structure.

How Colorado points work

The Colorado schedule is set out in statute and bands by margin over the limit, beginning at zero for the smallest margins and rising through several steps to a figure large enough to reach the suspension threshold unaided. Two windows are counted — a shorter one and a longer one — and reaching either total brings a suspension.

Minors and drivers under twenty-one are held to lower thresholds, and a driver under eighteen can reach a suspension on a small number of ordinary citations. Because the adult schedule is already steep, the youth thresholds are the ones most likely to surprise a family.

The prompt-payment reduction applies to the violation rather than to the accumulated total, which is the detail worth being precise about. It reduces what the citation contributes; it does not subtract from points already on the record from an earlier conviction.

Traffic school in Colorado

Colorado runs no statewide point-reduction course. There is no departmental programme a driver can complete to take points back off an existing record, which is unusual among the states with steep schedules and is why the traffic-school answer here is more limited than the box alone conveys.

What the statute provides instead is the prompt-payment reduction described above, which is the closest Colorado comes to a routine, driver-controlled way of lowering the point consequence of a citation. It is available on any qualifying violation rather than on a limited cycle, but it only ever applies at the moment the notice is paid.

Individual county courts may still accept a driver improvement course as part of a disposition, and a court may order one. That is local practice rather than a statewide entitlement, and the course fee is charged by the provider and is not part of the estimate here.

What varies inside Colorado

Colorado puts both the fine and the points in statute, which removes most of the variation other states carry. The penalty assessment amount for a given margin is a state figure rather than a county one, and the surcharge structure is statutory too.

What varies is what happens once a notice becomes a summons. County courts differ in how readily a reduction to a lower band is agreed and on what terms, and municipal courts enforcing a city ordinance operate under a different instrument again — which matters because an ordinance conviction is recorded differently.

Geography does the rest, and in Colorado it is pronounced. Mountain corridors with sharply varying posted limits, the interstate approaches to the Front Range cities, and the work zones that carry the enhanced criminal class all produce distinct citation profiles, and the work-zone enhancement is the one that changes the class of the offence rather than just its price.

Colorado and the states next door

Crossing a state line changes the schedule, the point system and the traffic-school rule all at once. These are the neighbouring states as this dataset records them.

State 10 mph over Points Insurance, 3 yr
Colorado $100 0–12 points $750
Arizona $250 3 points $1,200
Kansas $60 No points (no state point system) $450
Nebraska $75 1–3 points $450

Where these figures come from

Every figure on this page is traceable. The fine schedule, the point label and the traffic-school rule each carry their own citation and their own retrieval date, because a state publishes them in three different documents and almost never together. The insurance estimate is the one figure with no state document behind it, and it is labelled as a model everywhere it appears.

Read the methodology · Compare every state

Colorado FAQ

Common questions about Colorado speeding tickets.

Yes, and Colorado is unusual in that. The statute that sets the point schedule provides that paying a penalty assessment notice by its due date takes two points off any violation carrying three or more. Letting the notice lapse converts it into a summons and forfeits the reduction along with the convenience.

At the highest band, yes. The statutory point schedule rises steeply enough that a single citation at the top of it reaches the suspension threshold without any accumulation at all. Drivers under twenty-one are held to lower thresholds again, so a young driver can get there on considerably less.

There is no statewide programme that removes points from an existing record, which is unusual for a state with a schedule this steep. The statutory prompt-payment reduction is the routine instrument instead. Individual county courts may accept a driver improvement course as part of a disposition, but that is local practice rather than an entitlement.

Once the margin over the limit passes the statutory line the offence is a misdemeanor traffic offence rather than an infraction, and it rises a class higher in a work zone. That is a different charge rather than a larger ticket, and the fine schedule on this page does not attempt to price it. The callout above gives the figure and the citation.