How Much Is a 20 Over Speeding Ticket in Florida?

Updated October 2026 · Reviewed by Billy Forte

If you are asking how much is a 20 over speeding ticket in florida, the base fine is $175 for going 20 to 29 mph over the limit. Court costs set by law, such as $35 for a moving infraction, are added, and your clerk’s notice shows the exact total. A conviction for 20 over also carries 4 points, unless you make a valid election to take a Basic Driver Improvement (BDI) course.

Key Facts

Base fine: $175 for anything from 20 to 29 mph over. See the $175 tier.
Next tiers: $150 at 15 to 19 mph over and $250 at 30 or more. See nearby tiers.
Points: 4, because 20 mph is more than 15 over. See points.
Election: allowed if you qualify, with an 18 percent cut and no points. See electing BDI.
CDL holders: cannot elect, and 20 over is a serious traffic violation. See CDL rules.
The 30 over line: a hearing is required, and no election is allowed. See where limits change.

The $175 Base Fine

Florida’s speeding fines are in s. 318.18(3)(b). The schedule lists “20-29 mph……….$175.” That one tier covers every speed from 20 through 29 mph over the posted limit.

So a ticket for 20 over and a ticket for 29 over share the same base fine. The law calls this amount the civil penalty.

The $175 is not the full amount. Section 318.18(12) adds court costs “in addition to the stated fine,” including $35 for a moving infraction. Some places add a few small costs the law allows, and s. 318.121 bars any others.

That is why this guide gives no total. The clerk’s notice for your ticket lists it.

A Noncriminal Infraction

A 20 over ticket is a civil matter, not a crime. The speeding law, s. 316.183, calls it “a noncriminal traffic infraction, punishable as a moving violation.” So the $175 is a civil penalty, and the ticket is handled under chapter 318.

How 20 Over Compares to the Nearby Tiers

The tiers on either side of 20 over show how the fine and the rules shift:

Speed over the limit	Base fine	Points on conviction	BDI election
15 to 19 mph	$150	3 at exactly 15; 4 above 15	Allowed if you qualify
20 to 29 mph	$175	4	Allowed if you qualify
30 mph or more	$250	4	Not allowed; court hearing

The step up from 19 to 20 over adds $25 to the base fine. The step from 29 to 30 over adds $75, and it also takes the election away. For every tier from a warning to $250, see our speeding ticket cost guide or the Florida ticket pillar guide.

Points for a 20 Over Ticket

Florida’s points law, s. 322.27(3)(d)5, splits speeding into two levels. Going “In excess of 15 miles per hour” over is 4 points. Twenty is more than 15, so a 20 over conviction adds 4 points.

Those points count toward FLHSMV’s suspension levels. At 12 points within 12 months, FLHSMV may suspend for up to 30 days. Eighteen within 18 months allows up to 3 months, and 24 within 36 months allows up to 1 year.

For example, three 20 over convictions in 12 months reach 12 points. According to the FLHSMV points page, points remain at least 5 years after the disposition date. Our speeding points guide covers the rest.

Once the 4 points are on your record, a course does not remove them. The only deduction in s. 322.27(3)(h) is 3 points after a first points suspension and reinstatement. An election made within 30 days is how the statute keeps points from being assessed for that ticket (s. 318.14(9)).

School Zones and Work Zones

A zone can change the fine for 20 over, but not the points.

School zone: the fine is double. For the 20 to 29 tier, that makes a $350 base fine, before court costs.
Posted construction zone: the fine doubles only when workers are present or operating equipment. The sign must also give notice that fines double.

Both rules are in s. 318.18(3). The points stay at 4 in either zone. Our school zone and work zone guide explains when each zone applies.

Your Choices Within 30 Days

A 20 over ticket gives you 30 days from the date it was issued to respond, under s. 318.14(4). You have three paths:

Pay the fine and court costs. The Orange County Clerk says, “Payment of the civil penalty is considered a conviction.” The 4 points then go on your record.
Elect a BDI course, if you qualify. The next section covers the rules.
Ask for a hearing. If the official finds you committed the infraction, s. 318.14(5) allows a civil penalty of up to $500.

Doing nothing leads to a suspension. The clerk notifies FLHSMV, which suspends your license under s. 318.15. Our guide to ticket options compares the paths in detail.

Electing BDI for a 20 Over Ticket

A 20 over ticket sits below the 30 mph line, so the election can apply. Under s. 318.14(9), you qualify only if all of these are true:

You do not hold a CDL or a commercial learner’s permit.
You did not make an election in the preceding 12 months.
You have made fewer than eight elections in your lifetime.
The ticket does not require a court hearing.

If you qualify and elect, the $175 civil penalty is cut by 18 percent. Adjudication is withheld, and the 4 points are not assessed. The ticket is not dismissed, and the record shows “adjudication withheld.”

To elect, tell the Clerk of Court in the county on the ticket within 30 days of the ticket date. Do this before you take the course, and pay the clerk’s election fee. The court or clerk sets the date to finish, such as 60 days at the Hillsborough County Clerk or 120 days at the Miami-Dade Clerk.

The course has costs of its own. FLHSMV approves BDI courses, and s. 318.1451 requires providers to disclose all fees. A $2.50 state assessment is added to the course fee.

If the Course Is Not Finished

Missing the finish date undoes the benefits. Under s. 318.15, you are found guilty and the 4 points are added. You repay the 18 percent cut, plus a processing fee of up to $18.

Steps for a 20 over speeding ticket in Florida, from the $175 tier to the election result

A 20 Over Ticket With a CDL

Commercial drivers face stricter rules. A person who holds a CDL or a commercial learner’s permit cannot elect BDI for any ticket, in any vehicle. Federal rule 49 CFR 384.226 also bars states from masking a CDL holder’s conviction “in any type of motor vehicle.”

For a CDL holder, speeding 15 mph or more over is a serious traffic violation. Twenty over meets that test under s. 322.61 and 49 CFR 383.51.

Two serious violations in 3 years: a 60-day disqualification from commercial driving.
Three in 3 years: 120 days.

A conviction in a personal vehicle counts only if it leads to a suspension, revocation or cancellation of the license. Our CDL speeding guide covers the details.

Insurance After a 20 Over Ticket

Florida insurance law treats 20 over differently from a smaller ticket. Under s. 626.9541(1)(o)4, an insurer may not surcharge you just for one noncriminal ticket. Speeding “by more than 15 miles per hour” is an exception, and 20 over is more than 15.

A valid election changes that. When adjudication is withheld and no points are assessed, s. 626.9541(1)(o)12 bars the insurer from raising your premium, canceling or non-renewing because of that ticket. The exception is a crash where the insurer had a loss due to your fault.

The law sets no percentage for any increase. Ask your insurer how it handles your policy.

Where the Limits Change

Two speed lines sit above the 20 to 29 tier.

At 30 mph or more over, the base fine is $250. The ticket also falls under s. 318.19, so you must appear at a hearing. You cannot elect BDI for it.

At 50 mph or more over, it becomes a crime. Since July 1, 2025, s. 316.1922 calls it dangerous excessive speeding. A first conviction can bring up to 30 days in jail or a $500 fine.

What We Found on the Official Pages

On the FLHSMV points page we checked on October 27, 2026, the table showed a general row: “SPEEDING | 3.” That row does not show the 4-point level for more than 15 mph over.

The statute does. Section 322.27(3)(d)5 gives 4 points “In excess of 15 miles per hour.” For a 20 over ticket, the statute’s 4 points is the number that applies.

A 20 over Florida speeding ticket at a glance: fine, points, zone fine, election and CDL status

Common Mistakes

Each item below comes from Florida Statutes or federal rules:

Counting 20 over as 3 points. Anything more than 15 over is 4 points.
Treating $175 as the total. Court costs are added on top.
Thinking 20 over cannot be elected. It can, if you qualify.
Expecting a CDL holder to elect. The bar covers any ticket in any vehicle.
Mixing up 29 and 30 over. At 30 over, the fine is $250 and a hearing is required.
Letting the 30 days pass. An unanswered ticket leads to a license suspension.
Doubling a work zone fine with no crew there. The fine doubles only when workers are present or operating equipment.

How Requirements Can Vary

Florida’s election rules, point values and suspension levels come from Florida Statutes and FLHSMV, and they apply statewide. The election fee, the date to finish the course and how proof is filed are set by the Clerk of Court in the county on your ticket, or by the court. A court order sets its own deadline and proof steps.

Laws, fees and clerk practice can change. Check your citation, your clerk’s instructions, any court order and the FLHSMV website before you enroll or file anything.

Frequently Asked Questions

How much is a 20 over speeding ticket in Florida?

The base fine is $175 under s. 318.18(3)(b). Court costs, such as $35 for a moving infraction, are added. Your clerk’s notice shows the exact total.

Is 20 over a crime in Florida?

No. Speeding at 20 over is a noncriminal traffic infraction under s. 316.183. Speeding becomes a crime at 50 mph or more over, or 100 mph or more in a way that threatens others.

How many points is 20 over in Florida?

It is 4 points. Florida gives 4 points for speeding more than 15 mph over the limit. A valid BDI election means no points are assessed for that ticket.

Is 25 over the same fine as 20 over?

Yes. The 20 to 29 mph tier has one base fine of $175. At 30 mph over, the fine moves to $250.

Can I take traffic school for going 20 over?

Yes, if you qualify. You cannot hold a CDL or CLP, and you cannot have elected in the preceding 12 months. You must tell the clerk within 30 days of the ticket date.

How much is 20 over in a school zone?

The school zone fine is double the regular amount. For 20 to 29 over, that is a $350 base fine, before court costs. The points stay at 4.

How do Florida speeding ticket fines change at 30 over?

The base fine rises to $250. The ticket also needs a court hearing under s. 318.19, and BDI cannot be elected for it.

Conclusion

A 20 over speeding ticket in Florida has a $175 base fine plus court costs, and a conviction adds 4 points. If you qualify, a timely election cuts the fine by 18 percent and keeps those points off. Check your clerk’s notice for your total and deadlines, and then take the Florida BDI course online if you elect.

Sources

Billy Forte is the owner of Driving Logic, a driver improvement course provider serving Florida and other U.S. states.

This article is general information, not legal advice. Election rules, deadlines, fines and penalties depend on your citation, county, court and case facts, and they can change. Use official FLHSMV, Florida Statutes and Clerk of Court sources, and consult a qualified Florida attorney for advice about your own case.