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New York Traffic Ticket Calculator Driver Violation Points, Fines & Insurance Impact
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New York Traffic Ticket Point Calculator 2026

Estimate DMV driver violation points, court fines, surcharges, the Driver Responsibility Assessment, insurance impact, and CDL consequences — updated for the February 16, 2026 rule changes.

Heads-up: Point values, fines, and surcharges shown by this Tool are estimates only. Actual penalties depend on the court, the charge, and your record. Verify with the court or a qualified attorney before relying on any number.
Driver Violation Point Calculator
Legal Notice. This calculator is provided for general informational purposes only. It is not legal advice. Use of this Tool does not create an attorney–client relationship between you and the operators of this site. For advice on your specific traffic ticket, consult a qualified New York–licensed attorney.

Used to apply the correct point schedule (rule change: Feb 16, 2026).
Affects the mandatory court surcharge.
CDL drivers face federal disqualification rules.
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    2026 New York DMV Driver Violation Point System

    New York assigns driver violation points to your record upon conviction of moving violations under the Vehicle and Traffic Law (VTL). Points are calculated as of the date of the violation. As of February 16, 2026, the NY DMV uses an updated point schedule and a 24-month lookback (previously 18 months) for the 11-point suspension threshold.

    Complete NY DMV Point Chart (2026)

    ViolationVTL sectionPts (pre 2/16/26)Pts (2026)
    Speeding 1–10 mph over limitVTL §118033
    Speeding 11–20 mph over limitVTL §118044
    Speeding 21–30 mph over limitVTL §118066
    Speeding 31–40 mph over limitVTL §118088
    Speeding more than 40 mph over limitVTL §11801111
    Speeding (unspecified)VTL §118033
    Reckless drivingVTL §121255
    Failure to stop for school busVTL §117458
    Following too closely (tailgating)VTL §112944
    Improper / unsafe lane changeVTL §112833
    Improper passingVTL §112233
    Driving left of center / wrong wayVTL §112633
    Leaving scene of personal injury crashVTL §60035
    Aggravated unlicensed operation (AUO)VTL §511011
    Disobeying a traffic control signalVTL §111023
    Failure to stop at stop signVTL §117223
    Failure to yield right of wayVTL §1140–114633
    Railroad crossing violationVTL §117055
    Cell phone use while drivingVTL §1225-c55
    Texting while drivingVTL §1225-d55
    Inadequate brakes (employer veh.)VTL §37522
    Inadequate brakes (non-employer veh.)VTL §37544
    Speeding in a construction zoneVTL §1180-f3–118
    Child safety restraint violationVTL §1229-c33
    Seat belt violation (driver/passenger 16+)VTL §1229-c00
    Move-Over Law violationVTL §1144-a23
    Open container of alcoholVTL §122700
    DWI / DWAI / Aggravated DWIVTL §1192011
    Other moving violationVTL (various)22
    Driving without a licenseVTL §50900
    Driving without insuranceVTL §31900
    Unregistered vehicleVTL §40100

    NY Speeding Tickets at a Glance

    1–10 MPH Over3 ptsFine: $45–$150 + surcharge
    11–20 MPH Over4 ptsFine: $90–$300 + surcharge
    21–30 MPH Over6 ptsFine: $90–$300 + surcharge
    31–40 MPH Over8 ptsFine: $180–$600 + surcharge
    Over 40 MPH11 ptsFine: $360–$1,200 + surcharge; possible 30-day suspension
    Work / Construction Zone8 ptsFines double; mandatory court appearance

    How to Use This Calculator

    1. Enter the date the violation was issued so the calculator can apply the correct (pre- or post-Feb 16, 2026) point schedule.
    2. Select your court location, license type (regular or CDL), and check any context flags (school zone, work zone, PIRP completed).
    3. Pick a violation from the dropdown and click Add this ticket. Add as many as appear on your record.
    4. Click Calculate points & fines to see total points, suspension risk, DRA, fines, surcharges, insurance impact, and CDL consequences.
    5. Use the Plead-vs-Fight comparison to model the cost difference between pleading guilty and contesting the ticket.
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    Frequently Asked Questions
    How many points before license suspension in New York in 2026?

    Under the 2026 rules, the NY DMV can suspend your license if you accumulate 11 or more points within any 24-month period. The previous threshold was 11 points within 18 months. Drivers with 7–10 points may be required to attend a mandatory DMV safety clinic. Drivers with 4+ alcohol or drug convictions will have their driving privileges permanently revoked.

    What is the DRA fee and when do I owe it?

    The Driver Responsibility Assessment (DRA) is a state fee owed directly to the DMV when you accumulate 6 or more points within 18 months. The base fee is $100/year for 3 years ($300 total) for 6 points. Each additional point above 6 adds $25/year ($75 total per point). A DWI or DWAI conviction triggers a separate $750 DRA fee. Failure to pay the DRA results in license suspension.

    Do points appear immediately after my ticket?

    No. Points are only added to your record upon conviction — meaning after you plead guilty, pay the fine, or are found guilty in court. If you contest a ticket and win, no points are added. Points are dated as of the date of the violation (not the conviction date), which matters for the 24-month lookback calculation.

    What changed about NY DMV points on February 16, 2026?

    Significant changes took effect February 16, 2026: DWI/DWAI now carries 11 points (was 0); passing a stopped school bus increased from 5 to 8 points; leaving the scene of a personal injury crash increased from 3 to 5; aggravated unlicensed operation went from 0 to 11 points; speeding in a construction zone is now a flat 8 points regardless of speed; and the lookback period expanded from 18 to 24 months.

    Can I fight a traffic ticket to avoid points?

    Yes — and it's often worth it. Pleading not guilty and requesting a hearing gives you the opportunity to have the charge reduced or dismissed. Traffic attorneys frequently negotiate reductions to non-moving violations (0 points) or have tickets dismissed entirely.

    Does a traffic ticket in another state add points to my NY license?

    Usually yes. New York participates in the Driver License Compact (DLC) with most states. NY applies its own point values to reported violations — so the points on your NY record may differ from the issuing state's.

    What are the CDL consequences of a NY ticket?

    Commercial drivers face much harsher consequences under federal FMCSA rules. Two serious violations in 3 years = 60-day CDL disqualification; three serious violations = 120 days. Major violations such as DWI, leaving the scene, or using a commercial vehicle to commit a felony result in a 1-year disqualification on the first offense and lifetime on the second.

    Do junior license holders face different rules?

    Yes. Drivers under 18 with a junior license (Class DJ/MJ) or learner permit face much stricter consequences. A single conviction for a serious violation, or two convictions totaling 2–3 points within six months, can trigger a 60-day suspension. A second conviction within six months of restoration results in revocation.

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