A speeding ticket can raise your insurance rates by an average of 24.6% in Oklahoma. Shopping for new rates should be your first step after paying your fine.

Written by Kornelia Drianovski

Edited by Sarah Gray

Reviewed by Brice Regling

Updated on Jan 31, 2024

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How to deal with a speeding ticket in Oklahoma
Calculate your Oklahoma speeding ticket penalties and demerit points
Traffic school
A speeding ticket can increase your car insurance rates after renewal
The best car insurance companies after a speeding ticket in Oklahoma
FAQs

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A speeding ticket in the state of

Oklahoma

generally carries fines that range between $10 and $200, and add 2 to 4 demerit points on your driving record. You can pay the fine—and take on a potential 24.6%

car insurance

increase—or fight it in traffic court.

How to deal with a speeding ticket in Oklahoma

Step 1: Decide whether to pay or fight the ticket. By prepaying your ticket, you effectively plead guilty to speeding, and any applicable demerit points will be assessed from your Oklahoma driving record.

Step 2: Shop for car insurance before your next renewal. Your insurance company won’t find out about your speeding ticket until your policy is up for renewal—but your rates will go up by an average of 24.6% when your policy renews.

Learn more:

Car insurance renewal—are you ready for your new rate?

How to pay your Oklahoma traffic ticket

Unless your ticket requires a court appearance, pleading guilty or no contest is the fastest way of dealing with your speeding ticket.

To pay online:

Access Oklahoma’s

e-payment system

Agree to the terms and conditions

Input your case information (you can find it on your citation)

Ensure you have a valid credit card or debit card

Make a copy of your receipt

Remember: Your citation will indicate a given amount of time that you’ll have to pay your fine to the court clerk. To make sure you get your payment in before the deadline, submit your payment as soon as possible.

While the online instructions are relevant throughout Oklahoma, different counties may have different regulations for phone, mail, and in-person payments. Check your ticket for further information on paying your fine.

Once you’ve paid your ticket, the case should be closed and your conviction will be reported to the Oklahoma Department of Public Safety (DPS). Your record will reflect that you were guilty, and you’ll be assigned two to four

driver's license points depending

on how fast you were going and whether it was considered reckless driving.

How to get a speeding ticket dismissed

If you don’t feel you should have to pay the speeding ticket, you may plead not guilty in arraignment court on or before the date listed on your ticket. To do so, you’ll need to go to the court specified on your ticket and give them a bond, which will be returned if you’re found not guilty.

After pleading not guilty, the process will look like this:

You’ll be assigned a pretrial conference date.

At the conference, you and the prosecution will try to settle. Typically, that consists of your pleading guilty in exchange for reduced charges.

If a settlement is reached, the process is over. If not, you’ll be assigned a court date.

At the trial, you and the prosecution will have opportunities to present opening statements, evidence and witnesses, and closing statements.

If you’re found innocent, you’ll have the bond returned and all charges will be dropped.

If you’re found guilty, you’ll lose the bond and may face additional fines or charges.

Remember, missing court dates or failing to pay your fine could lead the court to:

Suspend your license

Issue a warrant for your arrest

Charge you with Failure to Appear, which could include larger fines

Since the ticket-fighting process is fairly involved, you may also benefit from

hiring an attorney

to represent you.

Here are some of the most effective arguments for getting a speeding ticket dismissed:

Defective radar or law enforcement error: If you can prove that your ticket was issued due to malfunctioning traffic cameras or improper use of radar by the Oklahoma Highway Patrol, it could be dismissed.

Defective speedometer: If you didn’t know that you were speeding because your vehicle’s speedometer was broken, you may be able to get your ticket dismissed.

Medical emergencies: If you were speeding due to a medical emergency, the court may grant you a dismissal.

Not knowing Oklahoma’s traffic laws is not a good speeding ticket defense. Whether you’re an out of state driver or a new Oklahoma driver, don’t try to fight your ticket by claiming ignorance.

Learn more:

How to get a clean driving record (and save on insurance)

Calculate your Oklahoma speeding ticket penalties and demerit points

When you get a speeding ticket in Oklahoma, you’ll face two main type of penalties:

Fines & fees: Oklahoma fines typically range between $10 and $200 for speeding violations, with additional fees for extra miles per hour exceeded, and for speeding in a construction zone or school zone.

Demerit points: You’ll have two to four points assessed from your driving record, depending on how fast you were speeding. Jail time is also a possibility, especially once you hit 15+ over the limit, which is usually classed as reckless driving –a misdemeanor.

Keep in mind: If you decide to fight the ticket, you’ll also have to cover the municipal court costs which can range widely.

The Oklahoma speeding ticket fines schedule

The following table demonstrates how much you can expect to pay depending on your speed:1

MPH over the speed limit	Fine
10 mph	$10
11-15 mph	$20
16-20 mph	$35
21-25 mph	$75
26-30 mph	$135
31-35 mph	$155
36+ mph	$205

Important note: While these are the general fines, the actual amount you owe may vary depending on your situation. Jail time is also a possibility with OK speeding tickets.

The Oklahoma speeding ticket point system2

Speeding offense	# of demerit points
11 - 25 mph over posted limit	2 points
26 - 40 miles over posted limit	3 points
41+ miles over posted limit	4 points

Keep in mind: If you accrue 10+ points within a five-year period your license will be suspended.

Traffic school

If you believe you’re guilty but can’t afford any more points on your record, you may be able to have the points dismissed by taking a

driver improvement or defensive driving course

. You should be eligible so long as the violation was fairly minor and you weren’t driving a commercial vehicle.

Upon the successful completion of an authorized course, two points will be added to the person's driving record. It's important to note that this two point credit is a one-time occurrence within a 24-month period.3

Earn safe driving perks

Safe driving can earn you points in more ways than one. If you’re trying to improve your record after a speeding ticket, use a telematics tool like Jerry’s DriveShield to track your driving habits, including speeding, harsh acceleration, and phone use.

Did you know?

Drivers who track their driving in the Jerry app earn an average safe driving discount of 12% from their auto insurance provider.

A speeding ticket can increase your car insurance rates after renewal

Once you’ve paid (or fought) your ticket, it’s time to start preparing for the impact on your car insurance.

Step 1: Check your renewal date. A speeding ticket won’t raise your car insurance rates right away. The next time your policy is up for renewal, your insurer will review your

motor vehicle report (MVR)

for new traffic infractions and add a surcharge to your premium.

Step 2: Wait for your renewal notice. When your renewal date approaches, your current insurer will send you a renewal notice with your updated premium information. You can choose to pay that rate or look for a lower offer.

Step 3: Compare rates from other providers. If you’re not happy with your renewal rate, compare quotes from three or more insurers to find a better rate with your new speeding ticket.

In Oklahoma, car insurance rates go up by an average of 24.6% when you renew your policy after a speeding ticket. But not all insurance companies

calculate rates the same way

—so you may be eligible for a lower rate from a different company after your speeding ticket.

A simple way to quickly search for lower rates is to use the

Jerry

app. You’ll be able to build a profile with your new driver information and see real quotes from a range of providers based on your current record.

Jerry also offers a helpful feature for any driver trying to clear points off their record: automatic reshopping.

By turning on this function, you’ll get new quotes instantly whenever your policy is up for renewal, along with notifications any time a new insurer with lower potential rates is available in your area.

As you wait for your demerit points to age off your driving record, automatic reshopping can help you stay on top of your insurance costs.

The best car insurance companies after a speeding ticket in Oklahoma

Here’s how major insurance companies tend to handle rate renewals after a speeding ticket:

Insurance company	Average rate increase after a speeding ticket
Allstate	15%
USAA	17%
American Family	22%
Nationwide	26%
State Farm	26%
Farmers	31%
Auto-Owners	36%
Travelers	37%
GEICO	38%
Progressive	43%

Remember: Every insurance company deals with traffic offenses differently. Depending on your existing record, the number of years you’ve been with your insurer, and whether or not you plead guilty to your speeding ticket, your insurance premium could go up by less—or more!—than this table shows.

Where'd we get these numbers?
Jerry’s editorial team researched the average rate increase after a speeding ticket for these 10 insurance companies using expert sources from Forbes, NerdWallet, ValuePenguin, WalletHub, Liberty Mutual, The Zebra, and CarInsurance.com. Our data shows the average of the data shared by these sources.

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FAQs

How much is a 20 over speeding ticket in Oklahoma?

You can expect to pay around $35+ for a 20 mph speeding ticket in Oklahoma. That being said, fines can vary depending on municipality.

How many points is 10 mph over in Oklahoma?

As long as you aren’t a commercial driver, you won’t get any demerit points for going 10 mph over in Oklahoma.

How long does it take for a speeding ticket to get off your record in Oklahoma?

The duration for a speeding ticket to stay on your driving record in Oklahoma can vary depending on the severity of the violation and whether it resulted in points being assessed on your record. Generally, moving violations, including speeding tickets, may stay on your driving record for about three to five years.

What is the difference between a speeding ticket and a traffic ticket in Oklahoma?

A speeding ticket is a specific type of traffic ticket. A traffic ticket is a citation issued for a violation of traffic laws, and it can encompass various offenses related to driving. Speeding is one of the common traffic violations for which you can receive a ticket.

What if you can’t afford to pay your speeding ticket?

In Oklahoma, the judge has sole discretion over your fine. That means that if you’re unable to pay, you can appeal to them directly on your court date. If you can show proof of your inability to pay, the judge may reduce your fine, help you establish a payment plan, or even dismiss the fee altogether.

Could I lose my license if I’m found guilty of speeding?

You typically won’t lose your license for speeding, but your license may be suspended if you have too many points on your record. Oklahoma uses a point system, wherein drivers are given points for violations. If you collect more than 10 in five years, you’ll temporarily lose your license.

Minor speeding tickets are typically worth two points, while more extreme situations like reckless driving or severe speeding could earn you three points or more. While speeding tickets won’t cause you to lose your license, they could bring you one step closer to suspension.

Is fighting my speeding ticket worthwhile?

If you’re sure you aren’t guilty and you have evidence to back it up, then it may be worth fighting your ticket. But the ticket-fighting process isn’t quick or simple. If you don’t have evidence to support your claim, it may be best to pay the fine.

SOURCES

https://oksenate.gov/sites/default/files/2019-12/os47.pdf

https://www.drivinglaws.org/resources/the-drivers-license-point-system-oklahoma.htm

https://oklahoma.gov/dps/faqs/suspension-revocation-of-driving-privilege-faq/point-system-faq.html