How Many Points Is a Speeding Ticket in Kentucky

traffic policeman issues a speeding ticket to a woman

Getting a speeding ticket in Kentucky may seem like a routine traffic issue, but it can carry consequences that last longer than you might expect. One of the most important things to understand is how Kentucky’s point system works—and how it can affect your driver’s license, insurance rates, and even your ability to stay on the road.

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Understanding Kentucky’s Point System

Kentucky uses a point system to track driving violations. When you’re convicted of a traffic offense, points are added to your driving record. Accumulating too many points in a short period can lead to warnings, probation, or even license suspension.

The Kentucky Transportation Cabinet monitors your driving record. If you accumulate too many points within a two-year period, you may face penalties, including a hearing with the Division of Driver Licensing or license suspension.

How Many Points Is a Speeding Ticket?

The number of points assessed for a speeding violation depends on how fast you were going over the posted speed limit and where the violation occurred. Here’s a general breakdown of how points are assigned for speeding in Kentucky:

  • Speeding 10 mph or less over the limit on a limited access highway: 0 points
  • Speeding 15 mph or less over the limit on a non-limited access highway: 3 points
  • Speeding 11 to 15 mph over the limit: 3 points
  • Speeding 16 to 25 mph over the limit: 6 points
  • Speeding 26 mph or more over the limit: Court appearance required and potential license suspension

It’s important to note that if you are speeding in a construction zone, school zone, or in conditions that are considered reckless, you may face additional charges and penalties beyond just the standard point assignment.

How Many Points Until You Lose Your License?

In Kentucky, the number of points that can lead to a license suspension varies depending on your age and driving history.

For adult drivers (age 18 and older):

  • 12 points within a two-year period can result in license suspension.

For drivers under 18:

  • Just 7 points within two years can lead to a suspension.

The state may send a warning letter if you are approaching the limit, but in some cases, your license can be suspended without prior notice, especially if the violation is severe.

Do Points Affect Insurance?

While Kentucky uses the point system to manage driving privileges, insurance companies often review your driving record when setting or renewing your policy. A speeding ticket that results in points on your license could raise your insurance premiums, depending on your insurer’s policies.

Even a single violation can make you appear to be a higher-risk driver, particularly if it involves excessive speed. This is why even minor speeding tickets shouldn’t be taken lightly.

A pale yellow traffic offense ticket, selective focus on the words "juvenile" and "speed"

Can You Reduce or Remove Points?

Kentucky offers a way to reduce points through a state-approved traffic school. If you’re eligible, completing a traffic safety course can remove up to 3 points from your record. However, this option may only be available once every 12 months.

Some courts may also allow you to take traffic school to avoid a conviction being reported at all, which can help preserve your driving record and keep your insurance rates in check.

Need Help With a Traffic Violation? Contact Our Legal Team Today

At Hoffman Walker & Knauf, we assist drivers throughout Kentucky with traffic tickets, license issues, and other related matters. Whether you’re worried about points, court appearances, or insurance hikes, we can help you navigate the process with confidence.

Contact us today to discuss your case and explore your legal options. A speeding ticket doesn’t have to derail your record—let’s work together to find the best solution.