The 20-year-old was pulled over on his way to the V Festival in Chelmsford for doing 48mph in a 40mph zone, according to The Sun.
The 'What Makes You Beautiful' singer was apparently given three points on his license and faces an £80 fine.
A source explained that Tomlinson will now have to be cautious, since - having passed his driving test less than two years ago - another three points for a motoring offence would see his licence revoked.
"Louis told friends he's learnt his lesson and will be extra careful from now on," the insider said. "His girlfriend Eleanor Calder is at uni in Manchester and he drives up to see her so he doesn't want a ban."
Tomlinson was reported earlier this month to have bought his local pub football team by paying for a round of drinks and a new Nike kit.
He has also recently revealed that he is going "slightly deaf in [his] right ear", largely due to the screaming from fans at One Direction gigs.
Photo gallery - Celebrities at V Festival 2012:
Copyright: AKEM Photos / Rex Features