So how much does a speeding ticket really cost?  A new study by says in Texas, it costs a lot more than you might think.

  1200 WOAI's Stephanie Narvaez says when you figure in the increased cost of insurance after a speeding ticket, which varies due to factors completely beyond the motorist's control, a $190 ticket for going 15 miles an hour over the speed limit can cost you $600, or more.

  "The points on your record last for three years," Maxime Rieman of NerdWallet told 1200 WOAI news.  "So over the course of three years the costs of those insurance increases come to a lot more than the cost of the ticket."

  Interestingly, the most expensive speeding tickets, when insurance increases are taken into consideration, are in Lubbock and Pflugerville, where the average increase on an insurance premium from one speeding ticket is about 14%. 

  In Lubbock, the fine for a 15 mile over the limit speeding ticket is about $189.  But over the course of three years, it will cost a motorist $634.11 when you figure in the increased insurance costs.

  "Insurance prices vary according to many factors," Rieman said.  "The crime rate of a city, the number of uninsured drivers, median income, even the weather affects your insurance."

  She says the average cost of a speeding ticket in Texas is about $609.93, when you consider the increased insurance costs.