Texting while driving ticket in Colorado
A texting ticket in Colorado costs about $86 with court costs and fees, and carries 2 points.
FineAbout $86estimate with court costs
Points2
Driver improvement school (court-ordered)No
Add up my ticket All Colorado rules
What does the Colorado state schedule charge for a texting ticket?
The fine is only part of what you pay. Court costs and fees are added on top, and they are often more than the fine itself.
| Ticket | State fine | With court costs |
|---|---|---|
| Mobile electronic device while driving, first offense in 24 monthsPlus $10 surcharge. | $75[4][9] | $86 |
With court costs is an estimate. Each line lists its own surcharges, plus the $1 family-friendly court surcharge.[4][6] Your notice shows the exact total.
How many points is it?
- Handheld phone use2 pts[3]
Will a texting ticket raise your insurance in Colorado?
Probably, once it is on your record. Insurers rate a texting ticket as a moving violation. In Colorado one speeding ticket raised a full-coverage premium about 26% on average[1], or about $2,546 over three years. A texting ticket usually lands in the same range.
Estimate based on the state's speeding average, not a quote.
How long do you have to respond to a texting ticket in Colorado?
- Date on noticePay or respondset by the court[6]
Details
Appear in county court on the date on your ticket (if you did not pay). If you miss it: For an infraction, missing the hearing means judgment is entered against you with the penalty, a docket fee and points. No bench warrant issues for an infraction.
- 20daysPay a state penalty assessment to the DMV and get reduced pointsfrom the ticket date[4][3][11]
Details
Pay a state penalty assessment to the DMV and get reduced points. If you miss it: After 20 days you lose the point reduction. The DMV still accepts late payment up to 20 days after it was due.
- 20daysDMV point-suspension hearing datefrom the notice date[3]
Details
DMV point-suspension hearing date. If you miss it: If you miss the hearing without a granted delay, the DMV suspends your license right away.
- 40daysLast day the DMV accepts payment before the ticket goes to courtfrom the ticket date[11][4]
Details
Last day the DMV accepts payment before the ticket goes to court. If you miss it: Tickets more than 40 days old have been sent to the court named on the ticket and must be handled there.
Can you keep a texting ticket off your Colorado record?
Every way to handle a Colorado ticket, from paying to contesting →
Texting tickets in other states →
Got a different ticket in Colorado?
- Speeding
- School zone
- Work zone
- Red light
- Stop sign
- No insurance
- Expired registration
- Seat belt
- School bus
- Failure to yield
- Parking
What else do people ask?
How many points is a texting ticket in Colorado?
Handheld phone use: 2 points.
Will a texting ticket raise my insurance in Colorado?
Probably, if it goes on your record. Insurers rate it as a moving violation. In Colorado a speeding ticket raised full-coverage premiums about 26% on average (ValuePenguin State of Auto Insurance in 2026), and a texting ticket tends to land in the same range.
Sources
Colorado law and DMV sources (6)
- C.R.S. §42-2-127 (authority to suspend license, point system schedule) in 2026 C.R.S. Title 42 (uncertified OLLS printout), Colorado Office of Legislative Legal Services.
- C.R.S. §42-4-1701 (traffic offense classes, penalty and surcharge schedule, zone doubling, penalty assessment payment) in 2026 C.R.S. Title 42, Colorado Office of Legislative Legal Services.
- C.R.S. §§42-4-1708, 42-4-1709, 42-4-1710, 42-4-1716 (infraction hearings, penalty assessment notice, failure to pay or appear) in 2026 C.R.S. Title 42, Colorado Office of Legislative Legal Services.
- C.R.S. §42-4-1717 (driver improvement school) in 2026 C.R.S. Title 42, Colorado Office of Legislative Legal Services.
- C.R.S. §§42-4-237, 42-4-239, 42-4-615, 42-4-1401, 42-4-1409, 42-4-1720, 42-4-1903 (seat belt, mobile devices, school zones, reckless driving, insurance, registration dismissal, school bus) in 2026 C.R.S. Title 42, Colorado Office of Legislative Legal Services.
- Colorado DMV: Paying a ticket or penalty assessment, Colorado Division of Motor Vehicles.
Insurance sources (4)
- State of Auto Insurance in 2026, ValuePenguin (LendingTree).
- Car Insurance Rate Increases with a Speeding Ticket in 2026, ValuePenguin (LendingTree).
- How Does a DUI Affect Your Auto Insurance Rates in 2026?, ValuePenguin (LendingTree).
- How Much Will My Car Insurance Rates Go Up After a Crash in 2026?, ValuePenguin (LendingTree).