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Speeding ticket in Kentucky

A speeding ticket in Kentucky costs about $131 to $234 with court costs and fees, and carries 0–6 points. Insurance typically rises about 15% after one ticket.

FineAbout $131–$234estimate with court costs
Points0–6
Insurance over 3 years+$1,123+15% for about 3 years
Kentucky State Traffic SchoolYes

Add up my ticket All Kentucky rules

What does the Kentucky state schedule charge for a speeding 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.

1–5 mph overAbout $131–$139[5][9][10][11]$1–$5 fine + costs
6–10 mph overAbout $146–$154[5][9][10][11]$16–$20 fine + costs
11–15 mph overAbout $152–$164[5][9][10][11]$22–$30 fine + costs
16–20 mph overAbout $162–$174[5][9][10][11]$32–$40 fine + costs
21–25 mph overAbout $173–$189[5][9][10][11]$43–$55 fine + costs
26+ mph overAbout $190–$234[5][7]$60–$100 fine + costs

How many points is it?

Will a speeding ticket raise your insurance?

Most likely. Insurers treat it as a speeding conviction. In Kentucky one speeding ticket raised a full-coverage premium by about 15% on average[1], or about $1,123 over three years on a typical $2,496 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 speeding ticket in Kentucky?

  1. Date on noticePay or respondset by the court[8][13]
    Details

    Appear in district court on the date on your citation, or prepay before it if the ticket is marked payable. If you miss it: Failing to appear is grounds for license suspension.

  2. 20daysAsk for an informal hearing after a suspension noticefrom the notice date[13]
    Details

    Ask for an informal hearing after a suspension notice. If you miss it: The hearing is waived and the suspension goes ahead.

  3. 30daysFinish traffic schoolfrom conviction[3][4]
    Details

    Finish the online State Traffic School course (or enroll in a classroom course). If you miss it: A missed course or class leads to license suspension until you complete it.

  4. Date on noticeLast day to appealset by the court
    Details

    File a notice of appeal from district court to circuit court

Can you keep a speeding ticket off your Kentucky record?

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

Speeding tickets in every state →

What else do people ask?

How many points is a speeding ticket in Kentucky?

Speeding, 1–10 mph over: 0 points. Speeding, 11–15 mph over: 3 points. Speeding, 16–20 mph over: 6 points.

Will a speeding ticket raise my insurance in Kentucky?

A speeding ticket raised full-coverage premiums about 15% on average in Kentucky (ValuePenguin State of Auto Insurance in 2026).

Sources

Kentucky law and DMV sources (11)
  1. Kentucky Point System, Kentucky Transportation Cabinet (DRIVE).
  2. KY State Traffic School, Kentucky Transportation Cabinet (DRIVE).
  3. KRS 186.574 State traffic school, county attorney-operated traffic safety program, Kentucky General Assembly (Legislative Research Commission).
  4. KRS 189.394 Fines for speeding, doubling in school areas with flashing lights, Kentucky General Assembly (Legislative Research Commission).
  5. KRS 189.999 Prepayment of fines subject to certain conditions, Kentucky General Assembly (Legislative Research Commission).
  6. KRS 431.452 Prepayment of fines subject to certain conditions, Kentucky General Assembly (Legislative Research Commission).
  7. KRS 24A.175 Court costs for criminal cases in District Court, Kentucky General Assembly (Legislative Research Commission).
  8. KRS 24A.176 Additional costs imposed in criminal cases, Kentucky General Assembly (Legislative Research Commission).
  9. KRS 24A.1765 Additional fees for criminal cases, Kentucky General Assembly (Legislative Research Commission).
  10. KRS 186.570 Denial or suspension of license, informal hearing, appeal, Kentucky General Assembly (Legislative Research Commission).
  11. KRS 186.572 Penalty points for speeding on limited access highway, Kentucky General Assembly (Legislative Research Commission).
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).