By the Ticket Dismissal HQ editorial teamReviewed Oct 20, 2026Sources cited at the endNot legal advice
A New York speeding ticket costs a fine set by Vehicle & Traffic Law §1180 plus a mandatory state surcharge of $88 or $93. For a first offense that’s roughly $133 to $693 depending on how fast you were going. Then come the points (3 to 11), a possible Driver Responsibility Assessment of $300+ if you reach 6 points, and three years of higher insurance. Here’s the breakdown and how to cut it.
Quick answer
- 1–10 mph over: $45–$150 fine + surcharge = about $133–$243; 3 points.
- 11–30 mph over: $90–$300 + surcharge = about $178–$393; 4 or 6 points.
- 31+ mph over: $180–$600 + surcharge = about $268–$693; 8 or 11 points.
- Surcharge: $93 in town and village courts, $88 elsewhere (including NYC’s TVB).
- School and work zones: higher fines; work-zone speeding is 8 points since 2026.
NY speeding fines (first offense)
| Speed over limit | Fine (VTL §1180) | With $88–$93 surcharge | Points |
|---|---|---|---|
| 1–10 mph | $45–$150 | $133–$243 | 3 |
| 11–20 mph | $90–$300 | $178–$393 | 4 |
| 21–30 mph | $90–$300 | $178–$393 | 6 |
| 31–40 mph | $180–$600 | $268–$693 | 8 |
| 40+ mph | $180–$600 | $268–$693 | 11 (triggers suspension review) |
Fines rise for second and third speeding convictions within 18 months, and the law allows jail time for higher speeds, though it’s rare for a first offense. The judge picks a fine within the range; in town and village courts it often depends on the plea.
The costs that aren’t on the ticket
| Cost | Amount | When |
|---|---|---|
| Driver Responsibility Assessment | $100/yr for 3 years at 6 points, +$25/yr per extra point | 6+ points |
| Insurance increase | Commonly 10–30% for about 3 years | Any speeding conviction |
| Suspension | License loss plus fees | 10 points within 24 months (one 40+ over ticket is 11) |
How to cut the cost
- Outside NYC, plead not guilty and talk to the prosecutor. Reductions to a lower speed or a 0-point offense such as VTL 1201(a) are common in town and village courts. The fine may be similar, but avoiding 3–6 points avoids the insurance increase.
- In NYC (TVB), there’s no plea bargaining: it’s guilty, or not guilty and a hearing. How the TVB works.
- After a conviction, take PIRP: up to 4 points excluded from the suspension count plus 10% off insurance for 3 years, which usually offsets much of the premium increase. The course.
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Frequently asked questions
How much is a speeding ticket in NY for 10 over?
$45–$150 plus the $88–$93 surcharge, about $133–$243 total, and 3 points.
How much is a 20 over speeding ticket in NY?
$90–$300 plus surcharge, about $178–$393, and 4 points (6 at 21+ over).
Can I go to jail for speeding in New York?
The law allows short jail terms for higher speeds and repeat offenses, but for a first ordinary speeding ticket it’s very rare.
Is the surcharge optional?
No. The state surcharge is mandatory on every conviction, on top of the fine.
Sources: NY Vehicle & Traffic Law §§1180, 1809 (surcharge), 1199 (DRA); NYS DMV point system (2026). Fines are ranges set by law; the court decides the amount. Not legal advice.