$46 in nj, if only... i got one over a year ago, had only slipped mine off minutes before to call my wife to tell her to meet me at the hospital because our ds had broke his arm at grandmas, and the fine with the break that the judge gave was $125, fortunately not a mv in tx so no residual insurance effects. i really only wear mine to avoid the ticket.
in 00 i rolled my pickup completey over while not wearing my seatbelt, and came out with only 17 stitches in my arm, i guess flyiing glass was the culprit, but i had the wheel the whole time and never moved out of my seat, so i guess i'm a bad testamonial for the need to always wear a seatbelt. i admit it was not a front impact, which would have at best banged me into the windshield, but i know that someone was watching over me that day.