Great question! I've had pre-paid legal in the past and never had a ticket. Then without it got 2 in 90 days, go figure? What kind of luck do you have and how hard do you push the envelope when you are driving? I've hired attorneys in different cities to defend me, and cost was in the 200.00 to 300.00 dollar range. So it sorta depends on your luck and skill in talking your way out of a potential jackpot. If you where 23 years old and a cute blonde you would probably have a better chance of driving away without that ticket. However I'm pretty sure that won't work for you! Good luck with your decision. Starting out you have a lot of up front expenses and you just might want to wait and see what you think your exposure will be.