What Happens If I Can’t Pay My Traffic Ticket?

I just got a ticket for speeding, but I don't have the money to pay the fine. What will happen if I don't pay? Do I have any options other than paying the full amount? State laws and local rules vary. Below are some potential penalties for failing to pay fines for a ticket and possible ways to avoid fines.

Penalties When You Don't Pay Traffic Ticket Fines

Ignoring a ticket normally isn't the best idea. Depending on your state's laws and local court rules, unpaid traffic citations can lead to late fees, collection agency involvement, vehicle registration holds and restrictions, license suspension, and even a warrant being issued for your arrest.

However, several states no longer suspend driver's licenses for failure to pay traffic fines. And bench warrants usually are issued only for failing to appear for your court date, not just failing to pay a traffic fine. If you can't afford to pay your ticket all at once, it's worth looking into the other options that might be available.

Avoid a Fine With Traffic School

For some drivers, traffic school can be a good option for dealing with a ticket. Traffic school participants usually save money because, while they have to pay a fee for the course, they don't normally have to pay the fine for their ticket (but they might have to pay court fees).

By completing traffic school, the driver can also save money by avoiding demerit points and related insurance-rate increases. In most states, drivers can attend traffic school only once during a period of 12 to 18 months.

Fine Reductions, Payment Plans, and Community Service

You might also try asking the judge for a fine reduction, an extension on the time you have to pay your ticket, or whether you can do community service instead of paying the fine. And many jurisdictions offer payment plans to drivers who can't pay their tickets upfront but can make monthly payments.

Fighting the Ticket

If you fight a ticket and win, you won't have to pay a fine. And, if you lose and are ultimately convicted of the violation, some of the same options discussed above will likely still be available. So, for some drivers, it might be worth the effort to fight a moving violation ticket.