Two fundamental classes of finite automata are deterministic and nondeterministic ones (DFAs and NFAs). Natural intermediate classes arise from bounds on an NFA's allowed ambiguity, i.e. number of accepting runs per word: unambiguous, finitely ambiguous, and polynomially ambiguous finite automata. It is known that deciding whether a given NFA is unambiguous and whether it is polynomially ambiguous is possible in quadratic time, and deciding finite ambiguity is possible in cubic time. We provide matching lower bounds showing these running times to be optimal, assuming popular fine-grained complexity hypotheses.