Does a Speeding Ticket Affect Your Car Insurance?
Speeding tickets typically cause your car insurance premiums to increase, but by how much depends on your state and insurer.
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Nick DaukInsurance Writer
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Daniel RoccatoAdvisor
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
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You might feel speeding is a harmless traffic infraction, but it can carry serious legal and financial consequences. Points on your license, hefty fines, and even hikes in your insurance are only a few potential penalties.
It’s important to know if, when, and how a speeding ticket will affect your car insurance. For instance, it may not affect your rates if it’s your first violation. But speeding tickets can stay on your driving record for years, so you’ll want to avoid accruing them.
Quick Facts
Auto-Owners offers the cheapest full coverage after a speeding ticket, at a monthly average of $118.
Speeding tickets typically stay on your driving record for three to five years.
Nationally, New Hampshire drivers with a speeding ticket on their record pay the lowest average full-coverage rates, at $112 per month. Washington, D.C., drivers pay a monthly average of $331 for full coverage — the highest national rate for drivers with a speeding ticket.
How speeding tickets affect car insurance
Speeding isn’t always a harmless traffic violation. In fact, the National Highway Traffic Safety Administration (NHTSA) reports that speeding caused approximately one-third of all motor vehicle fatalities in the last two decades.[1] With speeding tickets causing major harm to both people and property, they often cause insurers to increase car insurance rates.
A speeding ticket tells your insurance company you were driving in a way that increased your likelihood of getting into an accident and filing a claim. The more claims your insurer must cover, the more it has to pay, so it’ll charge you higher premiums to make up for the extra cost.
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How much does car insurance go up after a speeding ticket?
It depends. Factors like your insurer, how many other speeding tickets you have, and your location all affect how much your premium increases, among other things.
For instance, Progressive reports that customers who receive two or more speeding tickets in three years will notice an increase in their coverage.[2] While Allstate mentions that some insurers may not raise premiums for drivers older than 25 without another moving violation in the last three years.[3]
Cheapest car insurance rates after a speeding ticket
Car insurance rates generally increase after a driver gets a speeding ticket. But the amount of the increase depends on multiple factors, including the type of insurance you have, your insurance company, the severity of your violation, and your overall driving history.
The following tables show the most affordable car insurance companies based on your coverage type and driving record.
The below national rates are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company  | Clean Record | Speeding Ticket |
|---|---|---|
| Auto-Owners | $87 | $118 |
| Country Financial | $90 | $131 |
| USAA | $103 | $137 |
| State Farm | $108 | $139 |
| Mile Auto | $133 | $157 |
| Erie | $126 | $175 |
| Safeco | $136 | $187 |
| Elephant | $172 | $198 |
| Commonwealth Casualty | $178 | $200 |
| Allstate | $148 | $200 |
| GEICO | $148 | $202 |
| Direct Auto | $167 | $210 |
| National General | $172 | $214 |
| American Family | $160 | $215 |
| Root | $157 | $222 |
| GAINSCO | $212 | $242 |
| Mercury | $165 | $250 |
| Nationwide | $188 | $252 |
| AssuranceAmerica | $199 | $258 |
| Travelers | $193 | $260 |
| Bristol West | $207 | $263 |
| Liberty Mutual | $207 | $268 |
| Anchor | $223 | $273 |
| Plymouth Rock | $198 | $275 |
| Clearcover | $214 | $278 |
| Farmers | $214 | $281 |
| Chubb | $224 | $290 |
| CSAA | $219 | $294 |
| Dairyland | $239 | $296 |
| The General | $212 | $302 |
| Shelter | $240 | $337 |
| 21st Century | $253 | $350 |
| The Hartford | $252 | $381 |
| State Auto | $290 | $408 |
| Amica | $446 | $654 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The below national rates are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Clean Record | Speeding Ticket |
|---|---|---|
| Auto-Owners | $45 | $61 |
| Country Financial | $42 | $61 |
| USAA | $51 | $68 |
| State Farm | $53 | $68 |
| Mile Auto | $74 | $87 |
| Commonwealth Casualty | $81 | $91 |
| Erie | $69 | $96 |
| Allstate | $72 | $97 |
| American Family | $80 | $107 |
| National General | $87 | $108 |
| GEICO | $80 | $109 |
| GAINSCO | $97 | $111 |
| Direct Auto | $91 | $115 |
| Safeco | $84 | $116 |
| Dairyland | $94 | $116 |
| The General | $85 | $121 |
| Elephant | $107 | $123 |
| Nationwide | $93 | $125 |
| Root | $91 | $129 |
| Travelers | $96 | $129 |
| Bristol West | $103 | $131 |
| Farmers | $105 | $138 |
| Mercury | $91 | $138 |
| Anchor | $113 | $138 |
| AssuranceAmerica | $112 | $145 |
| Chubb | $116 | $150 |
| Clearcover | $124 | $161 |
| Liberty Mutual | $130 | $169 |
| 21st Century | $130 | $180 |
| Plymouth Rock | $130 | $180 |
| Shelter | $131 | $184 |
| CSAA | $143 | $192 |
| State Auto | $148 | $208 |
| The Hartford | $138 | $209 |
| Hugo | $188 | $244 |
| Amica | $244 | $358 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average car insurance rates after a speeding ticket by state
Car insurance companies in some states, like Hawaii and New Hampshire, are more forgiving when it comes to car insurance after a speeding ticket, with monthly overall average rates of $152 and $91, respectively.
But insurers in Florida and Louisiana are less forgiving, with monthly overall average rates of $216 and $197, respectively. Below, you’ll see which states offer cheaper policies to people with a speeding ticket on their driving record.
Average Monthly Rates by State for Drivers With a Speeding Ticket
State | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| Alabama | $190 | $90 |
| Arizona | $206 | $112 |
| Alaska | $182 | $113 |
| Arkansas | $193 | $95 |
| California | $250 | $119 |
| Colorado | $288 | $128 |
| Connecticut | $251 | $183 |
| Delaware | $343 | $221 |
| Florida | $273 | $159 |
| Georgia | $328 | $197 |
| Hawaii | $202 | $101 |
| Idaho | $152 | $90 |
| Illinois | $206 | $105 |
| Indiana | $181 | $92 |
| Iowa | $151 | $76 |
| Kansas | $189 | $97 |
| Kentucky | $241 | $152 |
| Louisiana | $261 | $132 |
| Maine | $193 | $104 |
| Maryland | $360 | $231 |
| Massachusetts | $183 | $141 |
| Michigan | $265 | $152 |
| Minnesota | $222 | $112 |
| Mississippi | $218 | $106 |
| Missouri | $223 | $114 |
| Montana | $161 | $71 |
| Nebraska | $170 | $85 |
| Nevada | $306 | $193 |
| New Jersey | $342 | $243 |
| New Mexico | $165 | $78 |
| New Hampshire | $112 | $71 |
| New York | $307 | $186 |
| North Carolina | $154 | $93 |
| North Dakota | $148 | $85 |
| Ohio | $153 | $84 |
| Oklahoma | $222 | $108 |
| Oregon | $214 | $124 |
| Pennsylvania | $189 | $106 |
| Rhode Island | $384 | $224 |
| South Carolina | $301 | $190 |
| South Dakota | $208 | $85 |
| Tennessee | $174 | $79 |
| Texas | $259 | $139 |
| Utah | $178 | $112 |
| Vermont | $176 | $68 |
| Virginia | $246 | $142 |
| Washington | $240 | $124 |
| District of Columbia | $331 | $195 |
| West Virginia | $185 | $98 |
| Wisconsin | $159 | $72 |
| Wyoming | $183 | $99 |
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How long does a speeding ticket stay on your driving record?
Most traffic violations won’t disappear from your driving record overnight. Even if you’re normally a safe and incident-free driver, a speeding ticket will stay on your driving record for a while. The exact length it’ll stay on your record depends on your state.
For example, Arizona drivers with a speeding ticket infraction may notice the violation drop from their driving record after one year, while the violation remains permanently for New Jersey drivers.
If you’re curious to find out how long a ticket stays on your record, you can check with your state’s DMV to confirm.
Do other moving violations affect car insurance?
Other moving violations, such as an at-fault car accident, reckless driving, or driving under the influence (DUI), have a significant effect on car insurance premiums, as well as a driver’s license. Drivers may notice an increase in their monthly coverage and, depending on the severity of the violation, will accumulate points on their license.
Most states use a point system to track drivers’ moving violations, though each state has different rules when it comes to penalties, as well as point accumulation and removal. For instance, drivers in California who accumulate four points within a year may have their license suspended. Though California also allows drivers to complete a traffic violator school to remove one point from their record.[4]
To learn more about your state’s point system, contact your local DMV.
Do out-of-state speeding tickets affect your insurance?
Car insurance companies typically consider speeding tickets that you’ve received in other states when looking at your driving record. For example, if you’re a Florida resident who got a speeding ticket in Georgia, the citation will appear on your Florida driving record.
You may receive points on your license if the citation from the other state qualifies for a point under Florida state law.[5]
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How to lower your car insurance rates after a speeding ticket
While a single speeding ticket can raise your car insurance rates, multiple traffic violations or at-fault accidents on your driving record also substantially increase your premiums.
But you have many ways to keep your car insurance rates low, including:
Take a defensive driving course
You may get a discount by completing a defensive driving course. But first ask your insurer if it offers the discount and if it approves the course.
Consider switching car insurance companies
If you’re looking for better rates, you should consider switching car insurance companies. Insurance experts also recommend checking with your current insurer to see if you qualify for other discounts or benefits that can lower your coverage cost.
Decrease your coverage
If you want to lower your premium, look at optional coverages that you may no longer need for your vehicle. For instance, if you drive a car with a low market value, you may not need comprehensive coverage.
Raise your deductible
You can save on your monthly car insurance rate by raising your deductible. Keep in mind that increasing your deductible places more financial responsibility on you in the event of an accident, so make sure you can afford any out-of-pocket costs if you need to file a claim.
Advice from the experts
Practice avoidance
)
Daniel Roccato
Advisor, Insurify
The best way to avoid getting hit with higher premiums due to speeding violations is to avoid it in the first place. This is especially true for younger drivers. Slow down. It will save you money, and possibly your life.
Car insurance after a speeding ticket FAQs
Getting a speeding ticket isn’t the most costly traffic violation you can commit, but it can still carry significant penalties. Below, you’ll find answers to some common questions about what happens to your driving record and insurance after you receive a speeding ticket.
What happens if you get a speeding ticket while driving someone else’s car?
It depends. In some states or cities, you may be legally and financially responsible for a speeding ticket when you’re driving someone else’s car. In others, the vehicle owner may be responsible for any moving or non-moving traffic violations involving the vehicle.[6]
Check with your city, county, or state to understand how the law applies to drivers caught speeding.
Does your first speeding ticket affect your car insurance rates?
It depends on how your insurance company handles these violations. Some insurers will raise your rates after receiving a speeding ticket, regardless of how clean your driving history is, while others may not raise your rates if it’s your first speeding ticket.
Is a speeding ticket considered a moving violation?
Yes. Speeding is considered a moving violation. Moving violations are violations of traffic laws when a vehicle is in motion, such as running a red light or reckless driving.
Nonmoving violations are violations of traffic laws that occur when a vehicle is not in motion, such as parking illegally or having a broken taillight.
How do you fight a speeding ticket?
When you’re issued a speeding ticket, you can usually contest it in front of a judge. You’ll likely have to appear before the judge in the county or city where you received the speeding ticket. The judge will then determine whether to uphold or revoke your speeding ticket.
Does a parking ticket affect your insurance?
No. A parking ticket is a non-moving violation, so it won’t add points to your insurance or affect your premium cost. But failure to pay your parking ticket on time may lead to additional fines or license suspension, which will indirectly cause insurers to hike your monthly rate, as they’ll consider you a high-risk driver.
Sources
- National Highway Traffic Safety Administration. "Speeding."
- Progressive. "Do speeding or parking tickets affect insurance rates?."
- Allstate. "Got a speeding ticket. Will it affect my insurance?."
- California Driver's Handbook. "Section 7: Laws and Rules of the Road (Continued)."
- Florida Highway Safety and Motor Vehicles. "Points & Point Suspensions."
- City of Chicago. "Vehicle FAQs."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Nick DaukInsurance Writer
6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology