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School zone speeding in Colorado

A school zone ticket in Colorado has its amount printed on your notice. Insurance typically rises about 26% after one ticket.

FineOn your noticestate schedule
PointsSee state rules
Insurance over 3 years+$2,546+26% for about 3 years
Driver improvement school (court-ordered)No

Add up my ticket All Colorado rules

Will a school zone ticket raise your insurance?

Most likely. Insurers treat it as a speeding conviction. In Colorado one speeding ticket raised a full-coverage premium by about 26% on average[1], or about $2,546 over three years on a typical $3,264 policy[1]. This is an average from ValuePenguin State of Auto Insurance in 2026, not a quote.

How long do you have to respond to a school zone ticket in Colorado?

  1. 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.

  2. 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.

  3. 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.

  4. 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 school zone ticket off your Colorado record?

Every way to handle a Colorado ticket, from paying to contesting →

School zone tickets in other states →

What else do people ask?

Will a school zone ticket raise my insurance in Colorado?

A speeding ticket raised full-coverage premiums about 26% on average in Colorado (ValuePenguin State of Auto Insurance in 2026).

Sources

Colorado law and DMV sources (6)
  1. 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.
  2. 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.
  3. 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.
  4. C.R.S. §42-4-1717 (driver improvement school) in 2026 C.R.S. Title 42, Colorado Office of Legislative Legal Services.
  5. 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.
  6. Colorado DMV: Paying a ticket or penalty assessment, Colorado Division of Motor Vehicles.
Insurance sources (4)
  1. State of Auto Insurance in 2026, ValuePenguin (LendingTree).
  2. Car Insurance Rate Increases with a Speeding Ticket in 2026, ValuePenguin (LendingTree).
  3. How Does a DUI Affect Your Auto Insurance Rates in 2026?, ValuePenguin (LendingTree).
  4. How Much Will My Car Insurance Rates Go Up After a Crash in 2026?, ValuePenguin (LendingTree).