Does a speeding ticket affect your car insurance rates?


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Written by
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UPDATED: 2021-04-01T18:03:06.844Z
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police officer issuing speeding ticket

If you get a speeding ticket while driving, there’s a good chance it will lead to an increase in your car insurance rates at your next renewal. The extent of the impact that speeding tickets can have on your insurance rate will depend on multiple factors, such as your state, the speed at which you were traveling and your driving record.

How much does a speeding ticket affect your insurance rates?

A single speeding ticket will likely increase your rates for a couple of years, but how much can you expect you car insurance rates to go up by? Based on rate data we examined for the 10 largest car insurance companies in the country, insurance rates increase by $289 per year after a speeding ticket on average.

In the table below, we’ve listed the average car insurance rates by state for a driver without a speeding ticket and the same type of driver with a speeding ticket in the past three years. Note: Your rate increase and your rates will depend on your unique driving profile — the rates showcased below are an average for a specific driver profile.

Rate increase after speeding ticket

Company Rates with clean record Rates with speeding ticket $ increase
Allstate $1,388 $1,789 $401
American Family $1,133 $1,328 $195
Geico $930 $1,202 $272
Farmers Insurance $1,220 $1,514 $294
Liberty Mutual $2,220 $2,836 $616
Nationwide $1,129 $1,353 $224
Progressive $1,195 $1,549 $354
State Farm $1,199 $1,418 $219
Travelers $1,211 $1,647 $436
USAA* $947 $1,113 $166

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. One driver had 0 accidents or speeding tickets within the past three years and the other driver had 1 speeding ticket in the past 3 years. Both drivers had a good credit score. The rates displayed should only be used for comparative purposes as individual rates will differ. Rate data is provided by Quadrant Information Services.

How far over the speed limit affects your insurance rate

How fast you were going in relation to the speed limit will also affect your car insurance. While some insurance companies won’t increase your premium for a one-off violation case, others may not increase the rate until you are fined for driving 15 mph over the speed limit.

Some states have a point system which involves assigning a point to a driver for every traffic violation. Accumulation of a certain number of points within a specific period can result in the revocation or suspension of the violator’s license. In California, for instance, a driver’s license will be revoked or canceled if they receive:

  • At least four points within a year, or
  • At least six points within 24 months, or
  • At least eight points within 36 months

The extent of severity with which the violator’s state classifies their driving record will have an impact on the amount of increase in the insurance premium.

How long does a speeding ticket affect your insurance?

A speeding ticket typically will stay on your insurance record for between three to five years, depending on your car insurance company.

Some insurance companies offer accident or violation forgiveness, which means your first accident or first speeding ticket won’t affect your car insurance rates. You typically have to pay for this feature, though.

Why do speeding tickets affect your car insurance?

When deciding your car insurance premium, insurers consider your risk profile. Drivers with a record of reckless behavior represent a higher risk than those with a clean slate, which is why auto insurance companies demand a higher premium to cover those with a blemished driving record.

Car insurance companies consider the chances of a driver with one or more speeding tickets getting involved in an at-fault accident are higher than a driver without them. Insurers perceive this as a higher likelihood that they may have to pay out a claim. To cover the risk, the insurer will require a higher premium.

What to do after receiving a speeding ticket?

If you’ve recently received a speeding ticket, you have a few potential options to limit the impact it will have on your car insurance rates.

Contest the decision

If you were not at fault, contest the officer’s decision to award you the ticket. If you can prove your point, your carrier won’t increase your premium.

Opt for a defensive driving course

Some states drop points from the record of drivers who opt for a defensive driving course. When taking a course, compare the fee with the increase in the premium and the cost of the driving ticket.

Raise your deductible and improve your credit score

To provide an incentive to your carrier to reduce your premium, select a higher deductible. Because your carrier will evaluate your credit history in most states when determining your premium, take steps to improve your credit score as well.

Shop for new insurance

If you’ve experienced a rate increase after a speeding violation, it may be time to shop and see if you can save money with another company. Start by seeing which insurers other drivers recommend on this list of the best car insurance companies.


The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.

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