Texas · TX

Texas speeding ticket cost 2026

Texas is one of the few states where a speeding conviction carries no licence points at all, and the reason is recent history rather than tradition. The programme that once assessed points and billed drivers an annual surcharge on top of whatever the court charged was repealed outright, with every outstanding surcharge cancelled, and nothing replaced it. What Texas kept was the conviction record and nothing to count.

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 · general guide; each state sets its own thresholds

The ticket

$132$180

The fine and fees you pay the court

Estimated 3-year cost

~$930

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 19% Insurance 81%

Ticket

$132$180

Lower · higher end

Insurance

~$750

Over 3 years

Total

~$930

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

Texas 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 Texas'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: Texas Transportation Code § 542.401 — general penalty (maximum $200; the amount is set by each court) · 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; Texas adds no points for this, so it is the conviction itself that goes on your record rather than a point total. 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

    Texas 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.

    Ask about defensive driving first — Texas offers a course option for dismissal that keeps the violation off your record. With no point system, the difference between a dismissal and a conviction is the whole insurance question.

⏱ 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

No points (no state point system)

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.

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

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

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

Source: Texas DPS — Driver Responsibility Program Repealed (HB 2048, effective 9/1/2019) · 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 Texas's own published rule for its defensive-driving or driver-improvement option.

Texas'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: Texas Transportation Code § 543.111 — driving safety course dismissal · 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.

Texas 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

Texas has no driver point system. The Driver Responsibility Program, which assessed points and annual surcharges, was repealed by HB 2048 effective September 1, 2019, and all outstanding surcharges were cancelled. Convictions still reach your record and your insurer, and a defensive driving course can still get a citation dismissed. Fines are set by the individual court, subject to the $200 statutory maximum in Transportation Code § 542.401.

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

Estimated. Texas 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: Texas Transportation Code § 542.401 — general penalty (maximum $200; the amount is set by each court) · retrieved September 2026 · Methodology

The Texas 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 $150
Around 20 mph over $200
30 mph over or more $260

DMV points

No points (no state point system)

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.

What makes Texas different

That changes what a citation here actually is. With no running total and no ladder toward a suspension from one speeding conviction, the whole consequence is that the conviction exists: it reaches the driving record, and from there it reaches an insurer at the next renewal. The question in front of a Texas driver is closer to binary than it is elsewhere — either a conviction is entered or it is not.

The second thing worth knowing is that the state does not set the amount. The Transportation Code fixes a ceiling for most traffic offences and leaves the figure beneath it to whichever court hears the case, so the numbers on this page are assembled from what courts charge rather than quoted from a schedule Texas publishes.

How a Texas traffic case actually works

A Texas speeding citation is heard in a justice court or a municipal court, depending on whether it was written by a county officer or inside a city. Both are courts of limited jurisdiction with their own clerks, their own dockets and their own local costs, which is why two drivers cited a few miles apart can find themselves dealing with very different offices and very different amounts.

The citation names a response date, and responding is not the same as paying. Entering a plea and paying the amount produces a conviction. Asking the court about a driving safety course, or about deferred disposition, is a different route that has to be requested rather than offered, and both generally have to be raised before the response date passes rather than after it.

Letting the date slip is the expensive path. A failure to appear can carry its own charge and can lead to a warrant, and it usually closes off the options that were open beforehand. None of that is priced anywhere in the estimate on this page, and the date printed on the citation governs whatever a later notice may say.

How Texas points work

There is nothing to add up. Texas operates no driver point system, so a speeding conviction does not move a driver toward a numeric threshold the way it would in most states, and no course exists to subtract from a total that is not kept.

What stands in its place is simply the record. The Department of Public Safety holds the conviction on the driving record, and that record is what an insurer reads at renewal and what an employer sees on a check. A second and a third conviction matter because of the pattern they form rather than because of any figure they push a driver past.

The practical consequence is that the familiar advice about reducing points does not apply here at all. A course is worth exactly what it does to the conviction itself — and in Texas that turns out to be the largest lever available, because it can stop the conviction being entered in the first place.

Traffic school in Texas

The Texas instrument is a driving safety course taken under the Transportation Code, and its effect is dismissal rather than mitigation. The court grants the request, the driver completes an approved course and produces a copy of their driving record, and the citation is dismissed — so nothing is entered, and there is nothing for an insurer to find later.

Eligibility is conditional, and the conditions are the part drivers miss. A valid licence, a plea entered before the deadline, proof of financial responsibility and a limit on how often the option can be used are all part of it. Commercial licence holders are treated differently, and some citations are excluded from the option outright.

The court charges an administrative fee for granting the request and the course provider charges its own tuition. Neither figure is published statewide, and neither is included in the estimate shown here.

What varies inside Texas

Because Texas leaves the amount to the court, the variation inside the state is real rather than procedural. A municipal court in a large city, a municipal court in a small town and a justice of the peace court in a rural county are three different fining environments operating under one statutory ceiling.

Local costs are layered on top of the fine, set by a mixture of state law and local decision. That is why the amount on a citation rarely matches the figure anyone quotes for Texas as a whole, and why comparing two Texas tickets tells you more about which court wrote them than about how fast either driver was going.

Enforcement patterns differ as well. Interstate corridors, school zones during posted hours and the city limits where a highway drops to a lower posted speed are where most citations are written, and a city enforcing a limit it adopted itself is charging under its own ordinance rather than under the state schedule.

Texas 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
Texas $150 No points (no state point system) $750
Arkansas $100 3–8 points $450
Louisiana $115 No points (conviction-count record) $750
New Mexico $45 3–8 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

Texas FAQ

Common questions about Texas speeding tickets.

No. Texas operates no driver point system, and the surcharge programme that once assessed points was repealed with its outstanding balances cancelled. A conviction still goes onto the driving record held by the Department of Public Safety, which is what an insurer reads at renewal, so the absence of points is not the absence of a cost.

That is the usual route. With the court granting the request, completing an approved driving safety course and filing the paperwork can result in the citation being dismissed rather than reduced, so no conviction is entered at all. The request generally has to be made before the response date, eligibility conditions apply, and the court charges its own fee for the option.

Because the state sets a ceiling and each court sets the amount beneath it. A municipal court and a justice of the peace court can charge differently for identical conduct, and local costs are added on top of whichever figure is chosen. The numbers on this page estimate what a driver typically ends up owing rather than quoting a schedule Texas publishes.

Missing the response date is treated as its own problem rather than as a late payment. It can add a separate charge for failing to appear, it can lead to a warrant, and it usually closes off the course and deferral routes that were available beforehand. The date printed on the citation is the one that controls.