A 15-over ticket costs about $275 with court costs, and $2,435 with the insurance hit
The math: 15-19 over carries a $150 statutory base fine, about $275 after court costs, plus $3,000 premium × 24% × 3 years = $2,160 of surcharge. Total: $2,435. Florida premiums run high, which inflates the surcharge side.
| Speed over limit | Base fine | With court costs | Points |
|---|---|---|---|
| 1-5 mph | Warning | — | 0 |
| 6-9 mph | $25 | ~$131-165 | 3 |
| 10-14 mph | $100 | ~$199-250 | 3 |
| 15-19 mph | $150 | ~$249-300 | 4 |
| 20-29 mph | $175 | ~$274+ | 4 |
| 30+ mph | $250 | ~$305+, mandatory hearing | 4 |
Fines double in school zones and construction zones with workers present. A 2025 change adds criminal exposure (up to 30 days and a $500 fine) for 50+ over. Court-cost totals per Palm Beach County Clerk and county fee schedules.
| Path | Cost | Record effect |
|---|---|---|
| Pay it | Fine + ~$2,160 surcharge (at $3,000 premium) | 3-4 points; suspension at 12 pts/12mo |
| Elect traffic school | Fine + ~$25-65 course, once per 12 mo / 5 per 10 yr | Points withheld, no insurer hit |
| Fight it | Time or attorney | Officers must appear on trial day or case often drops |
Florida caps civil traffic school elections at five lifetime, which is why locals ration them for the tickets that matter.
Florida writes small statutory fines and then lets court costs do the damage: the 15-19 over band is $150 on paper but $249-300 in practice, and 30+ over triggers a mandatory hearing. Double everything in a school or construction zone with workers present, and note the 2025 addition of criminal penalties (up to 30 days in jail and a $500 fine) for 50 or more over, even on a first offense.
The insurance side is where Florida bites hardest. Full-coverage premiums there run well above the national average (figure $3,000 as a planning number), so a standard 24% post-ticket increase is roughly $720 a year, $2,160 over a three-year surcharge. Stack that on a $275 fine and a 15-over ticket costs $2,435, with the fine a rounding error of the total.
Florida gives you three elections when you get a citation: pay, elect a basic driver improvement course, or contest. The school election (about $25-65 for the online course, plus the fine) withholds the points, which is what removes the insurer's ability to surcharge, and you can use it once every 12 months, capped at five elections in a lifetime. Contesting has a quirky upside: if the officer doesn't appear at trial, the case is commonly dismissed, though you shouldn't count on it. Points-wise, 3 points attach up to 14 over, 4 points from 15 over, and 12 points in 12 months suspends your license. The general model, other states, and the underlying surcharge math live in the speeding ticket cost calculator, alongside Texas and California.
Statutory base fines run from $25 (6-9 over) to $250 (30+ over), but mandatory court costs roughly double them: figure $131-165 for 6-9 over, $199-250 for 10-14, and $249-300 for 15-19. Fines double in school and work zones with workers present. With the three-year insurance increase, a 15-over ticket totals around $2,435 at a typical Florida premium.
Three points up to 14 mph over, four points at 15+ over. Points accumulate toward a suspension at 12 points in 12 months, 18 in 24, or 24 in 36. Electing traffic school withholds the points for the ticket you use it on.
Yes, if you hold a valid Florida license and haven't elected a course in the last 12 months. You pay the fine plus roughly $25-65 for the course, and adjudication is withheld, so no points reach your record or insurer. Lifetime elections are capped at five.
Around 22-25% at renewal for three years, consistent with national analyses. Because Florida full-coverage premiums average around $3,000, the dollar hit is large: roughly $720 a year, or $2,160 across the surcharge window, which is why electing school is almost always the right call there.