True Ticket CostIndependent · not a court or government site

Speeding ticket in New Jersey

A speeding ticket in New Jersey costs $86–$261 on the state schedule and carries 2–5 points. Insurance typically rises about 29% after one ticket.

Fine$86–$261state schedule
Points2–5
Insurance over 3 years+$2,600+29% for about 3 years
Defensive Driving ProgramYes

Add up my ticket All New Jersey rules

What does the New Jersey state schedule charge for a speeding ticket?

1–9 mph over$86[6]
10–14 mph over$96[6]
15–19 mph over$106[6]
20–24 mph over$201[6][10]
25–29 mph over$221[6][10]
30–34 mph over$241[6][10]
35–39 mph over$261[6][10]
40+ mph overOn your notice[6]

How many points is it?

Will a speeding ticket raise your insurance?

Most likely. Insurers treat it as a speeding conviction. In New Jersey one speeding ticket raised a full-coverage premium by about 29% on average[1], or about $2,600 over three years on a typical $2,988 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 New Jersey?

  1. Date on noticePay or respondset by the court[20][21]
    Details

    Pay or appear by the court date on your ticket. If you miss it: The court mails a failure to appear notice with a $10 penalty. Missing that date can lead to a warrant and a license suspension.

  2. 10daysAsk for a hearing on an MVC point suspensionfrom the notice date[12]
    Details

    Ask for a hearing on an MVC point suspension. If you miss it: Without a hearing request, the suspension starts 15 days after the notice was mailed.

  3. 10daysChoose the Driver Improvement Program instead of a 30-day suspension (12-14 points over more than two years)from the notice date[12][5]
    Details

    Choose the Driver Improvement Program instead of a 30-day suspension (12-14 points over more than two years). If you miss it: The suspension takes effect, and failing to finish the program also triggers it.

  4. 20daysLast day to appealfrom conviction[19]
    Details

    Appeal a municipal court conviction to the Superior Court. If you miss it: A late appeal is dismissed.

Can you keep a speeding ticket off your New Jersey record?

Every way to handle a New Jersey ticket, from paying to contesting →

Speeding tickets in every state →

What else do people ask?

How many points is a speeding ticket in New Jersey?

Speeding, 1–14 mph over: 2 points. Speeding, 15–29 mph over: 4 points. Speeding 30 mph or more over the limit: 5 points.

Will a speeding ticket raise my insurance in New Jersey?

A speeding ticket raised full-coverage premiums about 29% on average in New Jersey (ValuePenguin State of Auto Insurance in 2026).

Sources

New Jersey law and DMV sources (12)
  1. NJ MVC: Suspensions and Restorations (point system, restoration fee), New Jersey Motor Vehicle Commission.
  2. NJ MVC: NJ Points Schedule, New Jersey Motor Vehicle Commission.
  3. NJ MVC: Surcharges, New Jersey Motor Vehicle Commission.
  4. NJ MVC: Driver Programs (DIP, PDP, defensive driving providers), New Jersey Motor Vehicle Commission.
  5. Statewide Violations Bureau Schedule (Updated on July 29, 2021), New Jersey Courts (Administrative Office of the Courts).
  6. N.J.S.A. 39:4-203.5, 39:4-98.6, 39:4-98.7 (doubled fines: construction zones, safe corridors, 65 mph zones, 20+ mph over), New Jersey Legislature (statutes updated through P.L.2026, c.70).
  7. N.J.S.A. 39:5-30.8, 39:5-30.9, 39:5-30.10 (point suspensions, point reductions, violations after restoration), New Jersey Legislature (statutes updated through P.L.2026, c.70).
  8. N.J.S.A. 39:4-139.10 (failure to respond to a failure to appear notice, suspension), New Jersey Legislature (statutes updated through P.L.2026, c.70).
  9. N.J.S.A. 17:33B-45.1 (insurance rate reduction after approved defensive driving course), New Jersey Legislature (statutes updated through P.L.2026, c.70).
  10. How to Appeal a Decision of a Municipal Court (CN 10559, rev. 11/2014), New Jersey Administrative Office of the Courts (copy hosted by Cape May City).
  11. Lakewood Township Municipal Court: FAQs, Township of Lakewood.
  12. Jersey City Municipal Court (payments, plea by mail, online case review), City of Jersey City.
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).