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New York Traffic Ticket Cost Calculator

New York has some of the highest auto insurance premiums in the country — roughly $3,200/year on average. A single speeding conviction adds DMV points to your record and can increase your premium for years, adding thousands of dollars on top of the court fine and venue-specific fees.

New York speeding fines under VTL 1180 run in statutory ranges: $45-$150 for 1-10 mph over, $90-$300 for 11-30 over, and $180-$600 for 31+ over. The state's aggressive point system — 3 to 11 points depending on speed — means even a moderate ticket can trigger the Driver Responsibility Assessment, which starts at $300 over 3 years and rises with each point above 6.

Enter your ticket details above to see the full financial impact — fine, surcharge, points, and insurance — before you decide whether to pay or fight.