In California, the speed limits are divided into three sections for fines: 1-15, 16-24, and 25 and above. Since you admitted you were speeding, and you were cited for going 13 over, the penalty would be the same if you were going 1 mile over. "I can't afford it" is no reason for a judge to lower your fine.
The ticket will be $233. If you take traffic school it won't be reported to your insurance company.
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