Answer once and see the three things that actually matter: what this ticket really costs you, whether you're at risk of losing your license, and exactly how many days you have left to act — then we walk you through requesting your hearing and build a defense packet to take to court.
The violation/issue date. Your 20-day clock runs from here.
This decides which defenses we line up for you.
Massachusetts' "no-fix" rule (G.L. c. 90C § 2) requires the officer to give you the citation at the time and place of the stop. A late or mailed citation can be a defense.
Used to estimate the surcharge.
Part of premium the surcharge applies to.
A first minor violation after a clean stretch may carry no SDIP points.
You have 20 days from the citation date to demand a clerk-magistrate hearing. We walk you through every step, raise the defense you didn't know you had, and build a packet to bring to court.
This is a free educational tool, not legal advice, not an insurance quote, and not an official RMV or court determination. The fine is computed from the statute: a Massachusetts speeding conviction (G.L. c. 90 § 20) carries a $50 base, plus $10 for each mph above 10 over the limit, plus a $50 Head Injury Treatment Services Trust Fund surcharge and a $5 Public Safety Training Fund surcharge — a $105 minimum. The surcharge is an estimate of the SDIP impact: under 211 CMR 134.13 a speeding ticket is a 2-point minor violation, reduced to 0 points if it is your first non-criminal traffic violation in the 6-year policy experience period, and reduced by 1 point under the incident-free step-down (211 CMR 134.10(4)(a)). Each point raises the compulsory (Parts 1, 2 & 4) and collision (Part 7) coverages by the SDIP surcharge percentage (15%) and applies for five policy years — points in the sixth year of the experience period are set to zero (211 CMR 134.10(7)). Because Massachusetts is a competitive insurance market, your insurer may use its own approved merit-rating plan (211 CMR 134.11), so your actual dollar surcharge can differ; figures here use the standard SDIP and your entered premium. License-suspension thresholds use rolling time windows and can be affected by out-of-state violations, criminal dispositions, and RMV discretion this tool can't see. The 20-day deadline and the "no-fix" rule (G.L. c. 90C § 2) are summarized for general information; confirm the address and dates on your own citation. Generating a packet does not create an attorney-client relationship; an attorney-client relationship is formed only on a signed limited-scope engagement. For binding advice, consult a licensed Massachusetts attorney. Mass Speeding Ticket is a private law practice, is not a government agency, and is not affiliated with the RMV or the Merit Rating Board. See our Privacy Policy. Attorney advertising.