Traffic school and your ticket in Colorado.
Statutory fine plus scheduled surcharge is $36/$80/$151/$232 by speed band. A separate brain-injury assessment is $20, or $22 when collected by a county. The shown range includes that collector difference.
15 mph over in Colorado
Published court estimateColorado state-law penalty assessment
The amount, line by line.
| Published court amount (fine and fees) | $151 |
|---|---|
| Separate brain-injury assessment (collector dependent) | $20–$22 |
| Estimate shown | $171–$173 |
First ordinary state-law penalty assessment, paid through the notice process, below 25 mph over. Municipal ordinances, a contested/court case, repeat enhanced penalties and separate charges can produce other costs. Work-zone 20–24 over has a special $540 penalty rather than simple doubling; school doubles the table penalty and surcharge.
Not a payment quote. The citation, charge, offense date and court determine the final amount.
Insurance illustration: $430.38 more per year, applying the 2026 study’s 26% state increase to the 2023 NAIC premium. Historical baseline and study sample differ; this is a scenario, not a quote.
The statutory fine and the payable amount.
C.R.S. 42-4-1701 ordinary penalty-assessment base fines are $15/$70/$135/$200 for 1-4/5-9/10-19/20-24 over, with the table's scheduled surcharges and separate brain-injury assessment. School-zone scheduled fines/surcharges double. Work-zone 20-24 over uses a $540 penalty and doubled $32 surcharge. At 25+ over, the misdemeanor case has no ordinary penalty-assessment payment quote.
Governing schedule or statuteRetrieved 2026-09-30
The fine changes with the speed.
Colorado state-law penalty assessment. Amounts follow the named schedule, with its scope shown beside the estimate.
| Speed above the limit | Published estimate | Points |
|---|---|---|
| 5 mph over | $100–$102 | 1 |
| 10 mph over | $171–$173 | 4 |
| 15 mph over | $171–$173 | 4 |
| 20 mph over | $252–$254 | 6 |
| 25 mph over | Court sets the amount | 6 |
| 30 mph over | Court sets the amount | 6 |
| 35 mph over | Court sets the amount | 10 |
| 40 mph over | Court sets the amount | 16 |
What published examples show.
These are named court schedules or worked examples. Compare the speed, road, zone and included charges before comparing the amounts.
| Court or example | Above the limit | Published amount | What it covers |
|---|---|---|---|
| Colorado state penalty notice — 5 over Retrieved 2026-09-30 | 5 mph | $100–$102 | $70 penalty + $10 scheduled surcharge + $20/$22 brain-injury assessment. |
| Colorado state penalty notice — 15 over Retrieved 2026-09-30 | 15 mph | $171–$173 | $135 penalty + $16 scheduled surcharge + $20/$22 brain-injury assessment. |
Your record is a separate cost.
Base ordinary speeding points: 1–4 over = 0, 5–9 = 1, 10–19 = 4, 20–39 = 6, 40+ = 12. From August 12, 2026, 100+ mph adds 4. Qualifying repeats add 2/4/8 under separate dated-history rules; this estimate omits those additions.
Adults: 12 points/12 months or 18/24. Ages 18–20: 9/12, 12/24 or 14 since 18. Under 18: 6/12 or 7 before 18. Chauffeur thresholds differ. Violation dates control; prior-point input cannot prove the window. Hearing determines duration, up to one year.
Adult suspension counts violations within rolling 12/24-month windows. These windows do not promise removal from a driving record.
Read the official points rulesInsurance deserves its own line.
The 2026 ValuePenguin quote study reports a 26% average increase for one speeding ticket in Colorado. Your insurer, coverage and driving history can produce a different result. Read the study and its sample.
The NAIC 2023 combined average premium for Colorado is $1,655.30 per year. This historical measure combines liability, collision and comprehensive averages.
At $1,655.30 per year and 26%, the illustration adds $430.38 per year, about $35.87 per month.
Applying a 2026 quote-study percentage to the historical 2023 NAIC combined premium is illustrative math. These sources use different populations and coverage methods; this is not a measured post-ticket average or a current quote. No future premium increase is included in a court fine.
Choose your next step.
If a ticket goes unanswered.
A missed infraction response can result in default judgment, statutory assessments and collection. Contact the named court about payment arrangements; criminal summons have separate appearance requirements.
Official consequences and resolution instructionsThe questions
behind the ticket.
How much is 15 over in Colorado?
The estimate shown is $171–$173. First ordinary state-law penalty assessment, paid through the notice process, below 25 mph over. Municipal ordinances, a contested/court case, repeat enhanced penalties and separate charges can produce other costs. Work-zone 20–24 over has a special $540 penalty rather than simple doubling; school doubles the table penalty and surcharge.
Will my insurance go up?
A conviction can affect premiums, but your insurer uses its own rules. The 2026 ValuePenguin quote study reports a 26% average increase for one speeding ticket in Colorado. Your insurer, coverage and driving history can produce a different result. A points-free outcome does not promise an unchanged premium.
Does traffic school remove points?
§ 42-2-127.1 creates an approved-course points waiver subject to DMV rules, effective January 1, 2027 or earlier rule activation. CDL/CMV offenses are excluded. Confirm current activation and approval with DMV before enrolling; this estimator grants no waiver. Confirm eligibility before enrolling or paying your ticket.
Is this the amount I should pay?
No. The estimate explains a published schedule. Pay only the amount confirmed by the court handling the citation, through its official instructions.
What if I do not respond on time?
A Department of Revenue penalty assessment must be paid/postmarked within 20 days; a timely payment has the offered point reduction. Summons and municipal citations go to their court. Follow the appearance date if contesting or payment is unavailable. Missing a deadline can add consequences. Ask the court about extensions or payment help before it passes.
The same speed in nearby states.
Check the source, not just the total.
Each verified rule carries its own URL and retrieval date. Your court may change its schedule after a review.
- Fine scheduleRetrieved 2026-09-30
- Fine schedule — supporting sourceRetrieved 2026-09-30
- Suspension rulesRetrieved 2026-09-30
- Response deadlineRetrieved 2026-09-30
- Response deadline — supporting sourceRetrieved 2026-09-30
- Insurance studyRetrieved 2026-09-30
- Unpaid citation rules — supporting sourceRetrieved 2026-09-30
- NAIC historical state premiumRetrieved 2026-09-30
Not legal advice. Amounts are estimates from the cited schedules. Your citation and the court’s instructions control. This site is independent of courts, DMVs and insurers.