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Illinois · IL

Illinois speeding ticket cost 2026

Illinois does not have a point value for speeding; it has four of them, and the distance between the lowest and the highest is larger than the entire scale most states use. The band a citation falls into is decided by the margin over the limit, so a driver asking what a speeding ticket costs in points here cannot be answered without the number on the citation.

Get Your Estimate

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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 · Illinois draws its own line at 26 mph or more over the limit (625 ILCS 5/11-601.5); this is below that

The ticket

$106–$144

The fine and fees you pay the court

Estimated 3-year cost

~$1,194

The ticket plus 3 years of our insurance model

~$1,050 more than the ticket itself — and that part is our insurance model, not a bill anyone has sent you.

Ticket 12% Insurance 88%

Ticket

$106–$144

Lower · higher end

Insurance

~$1,050

Over 3 years

Total

~$1,194

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

Illinois 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 Illinois'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: Illinois Supreme Court Rule 526 — statewide schedule of bail for petty traffic offenses ($164 standard) · 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 (5–50 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

    Illinois 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 carefully — Illinois's point system is unusually aggressive. A single ticket can add anywhere from 5 to 50 points depending on the speed, and 45+ points in 2 years means a licence 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.

⚖️ Illinois Courts — Traffic Fine Schedule 🏛️ Illinois DMV — Points & License Info
ⓘ 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

5–50 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.

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

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

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

Source: Illinois Secretary of State — Driver point values / 92 Ill. Adm. Code 1040 · 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.

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

Eligibility follows Illinois's own published rule for its defensive-driving or driver-improvement option.

Illinois'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: Illinois Secretary of State — court supervision and traffic safety school · retrieved September 2026 · Methodology

Estimated insurance impact

Year 1 +$400/yr
Year 2 +$350/yr
Year 3 +$300/yr
3-year total ~$1,050

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.

Illinois sits in our elevated premium-impact tier: $400, $350 and $300 across three years for a moving violation. Everything above is a model, not a quote.

Methodology

Worth knowing in your state

Illinois assigns points by how far over you were: 5 points at 1–10 mph over, 15 at 11–14, 20 at 15–25 and 50 at 26 or more. Accumulating 45 or more points in two years brings a 3-month suspension. Speeding 26 mph or more over the limit is not a petty offence at all — it is aggravated speeding, a Class B misdemeanor (Class A at 35+), which is a criminal charge rather than a ticket. Court supervision keeps a conviction off the record but is limited in how often it can be used.

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

Estimated. Illinois 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: Illinois Supreme Court Rule 526 — statewide schedule of bail for petty traffic offenses ($164 standard) · retrieved September 2026 · Methodology

The Illinois 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 $120
Around 20 mph over $200
30 mph over or more $300

DMV points

5–50 points

Traffic school

Available for speeding

Insurance, 3 years

$1,050

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 Illinois stops calling it a speeding ticket

At 26 mph or more over the limit, 625 ILCS 5/11-601.5 makes it aggravated speeding — a Class B misdemeanor, and a Class A misdemeanor at 35 mph or more over. 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: 625 ILCS 5/11-601.5 — driving 26 mph or more over the limit is a Class B misdemeanor; 35 mph or more over is a Class A misdemeanor · retrieved September 2026

What makes Illinois different

Above a certain margin the question stops being about points at all. Illinois treats speeding at a sufficiently large margin as aggravated speeding — a misdemeanor rather than a petty offence, with a criminal court appearance attached and a criminal record at the end of it. The line is lower than most drivers assume, and the fine schedule on this page does not price what sits above it.

The instrument Illinois drivers actually rely on is court supervision. It is neither a conviction nor a dismissal, it is limited in how often it can be used, and understanding it is most of understanding how a traffic case works in this state.

How a Illinois traffic case actually works

A petty speeding citation in Illinois is heard in the circuit court of the county where it was issued. Many citations can be resolved without an appearance by pleading guilty and paying, but that is a conviction, and a conviction is the outcome the point schedule prices.

Court supervision is the alternative most drivers ask for. The court accepts the plea but withholds the judgment for a period, and if the conditions are met the case ends without a conviction being entered — so the points are never assessed and the Secretary of State record shows a disposition rather than a conviction. Supervision is discretionary, it is requested rather than given, and state law caps how often it is available.

An aggravated speeding charge is a different proceeding entirely. It is a criminal misdemeanor, it requires an appearance, and it is not something that can be settled by mail. The response date on the citation governs in either case, and failing to appear brings its own consequence independent of the speed.

How Illinois points work

The Illinois schedule steps by margin over the limit, and the steps are steep. A low-margin citation sits at the bottom of the range; a high-margin one sits an order of magnitude above it. That is why this page shows a range rather than a figure for Illinois points, and why the honest answer to a driver depends entirely on what the officer wrote down.

The suspension trigger is a total accumulated over a two-year window, and because the higher bands are so large a single fast citation can put a driver most of the way there on its own. For drivers under twenty-one the thresholds are lower still, and two convictions inside a period can bring a suspension where an older driver would face none.

The Secretary of State administers the record and the suspensions; the circuit court administers the case. A driver dealing with one office is not dealing with the other, and a disposition that satisfies the court does not always produce the record entry the driver expected — which is the reason to be specific about supervision rather than assuming it.

Traffic school in Illinois

Traffic safety school in Illinois is normally a condition of court supervision rather than an alternative to the case. The court orders it as part of the supervision terms, the driver completes an approved course, and it is the successful completion of supervision rather than the course itself that keeps the conviction from being entered.

Because supervision is capped in frequency, the course is only as available as the supervision that carries it. A driver who has recently used supervision may find the option closed even though the course itself is open to anyone, and that limit is set by statute rather than by the judge hearing the case.

The course tuition and the court costs attached to supervision are both charged on top of the fine, and neither is published statewide or included in the estimate here.

What varies inside Illinois

Illinois sets its points statewide and leaves a great deal of everything else to the county. Each circuit court sets its own costs, runs its own traffic call, and differs in how readily supervision is granted and on what terms — so two identical citations in two counties can end in genuinely different dispositions.

Cook County is a jurisdiction of its own in practice, with a volume of traffic matters and a set of procedures that look little like a downstate circuit. Municipal ordinance citations add another layer: a village enforcing its own ordinance is charging under a local instrument, which can carry a different amount and, importantly, may not reach the state driving record in the same way.

That last distinction is the one most worth checking on a specific citation. Whether a ticket was written under the Vehicle Code or under a local ordinance changes what it does to the record, and the two can look very similar on the paper in a driver hand.

Illinois 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
Illinois $120 5–50 points $1,050
Indiana $150 2–6 points $750
Iowa $30 No points (habitual-violator system) $450
Kentucky $68 0–6 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

Illinois FAQ

Common questions about Illinois speeding tickets.

How many points is a speeding ticket in Illinois?

There is no single figure. Illinois assigns points by how far over the limit the citation was written, and the bands run from a modest number at the low end to a very large one at the top. The range shown on this page reflects the whole schedule, and the value that applies to a particular case depends on the speed recorded on the citation.

What is court supervision in Illinois?

It is a disposition in which the court accepts a plea but withholds judgment for a period, and where the conditions are met the case ends without a conviction being entered. Because points follow a conviction, successful supervision means none are assessed. It is discretionary, it has to be requested, and state law limits how often a driver can use it.

At what point does Illinois speeding become a criminal charge?

Once the margin over the limit passes the statutory line, speeding is charged as aggravated speeding, which is a misdemeanor rather than a petty offence and rises a class higher at a larger margin still. That is a criminal proceeding with an appearance attached, and the fine schedule on this page does not attempt to price it. The callout above gives the statutory line for this state.

Can a single ticket suspend my licence in Illinois?

It can contribute far more than drivers expect. Because the highest band carries a very large point value and the suspension trigger is a total accumulated over two years, one high-margin citation can account for most of the threshold by itself. For drivers under twenty-one the thresholds are lower again.