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.

Nick Dauk
Written byNick Dauk
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Nick Dauk
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Konstantin Halachev
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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated March 14, 2024

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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 $136 monthly.

  • Speeding tickets typically stay on your driving record for three to five years.

  • New Hampshire drivers with speeding tickets pay an average monthly rate of $136.

How do 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 their first speeding ticket see an average increase of 15% or more for a six-month policy.[2] However, Allstate reports that some insurers may not raise premiums for drivers older than 25 without another moving violation in the last three years.[3]

Learn More: How Much Is a Speeding Ticket?

Learn More: How Much Is a Speeding Ticket?

Average car insurance rates after a speeding ticket

How much your car insurance rates increase after a speeding ticket depends on the severity of your violation, how many speeding tickets you have, the state you got the ticket in, and your insurance company.

Average car insurance rates after a speeding ticket by insurance company

Car insurance rates generally increase after a driver gets a speeding ticket. The amount of the increase, however, depends on multiple factors, including the type of insurance you have, your insurance company, where you live, and your overall driving history.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean RecordSpeeding Ticket
COUNTRY Financial4655
Hugo5577
NJM5790
Auto-Owners82100
Erie95132
Root98148
USAA100114
Mile Auto102153
State Farm116128
GEICO119136
Metromile119175
Safeco124173
Allstate139158
CSAA145180
Progressive146182
Clearcover147199
Mercury152233
American Family174206
Elephant176205
National General181210
The Hartford181292
Nationwide187219
Direct Auto197243
Travelers198235
Shelter198277
Liberty Mutual202271
AssuranceAmerica204273
Dairyland231284
Farmers250287
The General251309
Chubb253300
GAINSCO260281
21st Century274343
Amica290440
Bristol West291346
Commonwealth Casualty306329
Infinity326404
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean RecordSpeeding Ticket
COUNTRY Financial2125
NJM3657
Auto-Owners3846
USAA4653
Hugo4867
State Farm5359
GEICO5462
Mile Auto5582
Erie5779
Root6294
Allstate6271
Safeco6692
Metromile77114
American Family7791
National General7991
Progressive82102
Mercury83127
Dairyland84103
Nationwide8599
Clearcover88119
Travelers90107
CSAA91113
Direct Auto95117
Liberty Mutual96129
Elephant98114
Shelter110154
Farmers110126
The General115141
The Hartford116187
Commonwealth Casualty116125
AssuranceAmerica117157
Chubb117139
GAINSCO120130
21st Century123154
Bristol West129153
Amica178270
Infinity192238
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

Insurers 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 $134 and $159, respectively. Insurers in Florida and Louisiana are less forgiving, with monthly overall average rates of $302 and $356, respectively.

StateSpeeding TicketClean Record
Alabama$263$168
Arizona$278$194
Arkansas$347$236
California$325$232
Colorado$308$210
Connecticut$451$338
Delaware$287$210
Florida$353$299
Georgia$343$238
Hawaii$171$111
Idaho$222$143
Illinois$263$179
Indiana$206$138
Iowa$246$167
Kansas$250$172
Kentucky$332$249
Louisiana$477$316
Maine$292$177
Maryland$381$292
Massachusetts$281$198
Michigan$425$353
Minnesota$283$205
Mississippi$303$192
Missouri$337$235
Montana$290$198
Nebraska$317$213
Nevada$411$313
New Hampshire$222$126
New Jersey$286$211
New Mexico$279$194
New York$204$183
North Carolina$164$109
Ohio$222$152
Oklahoma$306$204
Oregon$266$171
Pennsylvania$240$193
Rhode Island$262$181
South Carolina$403$269
South Dakota$283$170
Tennessee$241$172
Texas$348$172
Utah$252$172
Vermont$255$172
Virginia$236$172
Washington$285$172
Washington DC$315$172
West Virginia$290$172
Wisconsin$215$172
Wyoming$284$172
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
StateSpeeding TicketClean Record
Alabama$99$63
Arizona$133$93
Arkansas$150$102
California$166$119
Colorado$122$83
Connecticut$254$190
Delaware$175$128
Florida$250$212
Georgia$208$144
Hawaii$99$64
Idaho$108$70
Illinois$115$78
Indiana$103$69
Iowa$91$62
Kansas$112$77
Kentucky$284$176
Louisiana$235$156
Maine$145$88
Maryland$223$171
Massachusetts$138$97
Michigan$224$186
Minnesota$140$101
Mississippi$117$74
Missouri$135$94
Montana$136$93
Nebraska$131$88
Nevada$247$188
New Hampshire$97$55
New Jersey$150$111
New Mexico$101$70
New York$168$150
North Carolina$84$56
Ohio$101$110
Oklahoma$135$147
Oregon$153$135
Pennsylvania$113$142
Rhode Island$198$159
South Carolina$247$217
South Dakota$105$117
Tennessee$109$125
Texas$167$184
Utah$138$137
Vermont$106$114
Virginia$131$131
Washington$128$142
Washington DC$169$178
West Virginia$119$128
Wisconsin$97$98
Wyoming$110$120
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How long does a speeding ticket stay on your record?

Unfortunately, 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. 

Loretta Worters, vice president of media relations for the Insurance Information Institute (Triple-I), mentions that premiums are based on your risk level, which includes your driving record, as well as credit history, location, and age in most states.

“Although each insurance company has its own policies, speeding violations stay on insurance records for three to five years,” says Worters. “Insurance companies base premiums on your risk level, which is calculated by various factors, including your current driving record and driving history, age (in most states) as well as credit history, type of car you drive, and location.”

Each state varies in how long it keeps a speeding ticket on your record. “For example, in New York, it’s three years after receiving the violation, and, in Pennsylvania, it’s five years,” says Worters. “Drivers should check with their state’s DMV to find out how long a ticket stays on their driver’s license.”

It’s also important to note that insurers will consider speeding tickets you’ve gotten in other states when looking at your driving record. For instance, 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.[4]

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How to lower your car insurance after a speeding ticket

Since even a single speeding ticket can raise your car insurance rates, multiple traffic violations or at-fault accidents on your driving record can substantially increase your premiums. Thankfully, you can still find ways to keep your car insurance rates low, including the following recommendations from Worters:

Take a defensive driving course

“We advise drivers to take a defensive driving course that’s approved by their insurer,” says Worters. Ask your insurer if it offers any discounts for completing a defensive driving course.

Consider switching car insurance companies

“You can also consider switching car insurance companies to find a better rate, but, before you do, make sure you check with your current insurer to see if you qualify for other discounts or benefits that can lower your rates,” says Worters.

There’s always a chance that you’re overpaying for your car insurance, but if you’re considering a switch, remember that it won’t remove the speeding ticket from your driving record.

Decrease your coverage

“You can also consider dropping the collision coverage, which will make [your rate] more affordable,” says Worters. "Know that if you are involved in an accident in the future, however, you will be liable for any repairs to your vehicle. You can always add collision back again, should you decide to do so.”

You should also look at what other optional coverages you may no longer need on your vehicle. For instance, if you drive a car with a low market value, you may not need comprehensive coverage. But be careful. It's a good idea to err on the side of more versus less when it comes to car insurance coverage.

Raise your deductible

“Another way [to lower your car insurance rate] is to raise your deductible,” says Worters. “For instance, if you have a $500 deductible, you can raise it to $1,000 or $2,000, and that will save you some money.”

Raising a deductible puts more financial responsibility on you in the event of an accident rather than your insurer. Typically, the higher your deductible, the lower your premium, and vice versa.

Even if you have a clean driving record, you can still use these tips to lower your car insurance rates. Insurers offer various discounts, bundling incentives, and other money-saving opportunities for their policyholders. Comparing quotes from multiple insurers can help you identify which company can provide the coverage you need at the best possible price.

Advice from the experts

Practice avoidance.

Daniel Roccato

Daniel Roccato

Linkedin

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 nonmoving traffic violations involving the vehicle.[5]

    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.

  • What’s the best way to save money on car insurance?

    Because every driver’s history and quote factors are unique, there’s no singular best way to save money on car insurance for everyone. However, quote comparison is one of the best ways to find insurers who can offer you the best discounts, incentives, and coverages you need.

Sources

  1. National Highway Traffic Safety Administration. "Speeding." Accessed May 11, 2023
  2. Progressive. "Do speeding or parking tickets affect insurance rates?." Accessed May 11, 2023
  3. Allstate. "Got a speeding ticket. Will it affect my insurance?." Accessed May 11, 2023
  4. Florida Highway Safety and Motor Vehicles. "Points & Point Suspensions." Accessed May 11, 2023
  5. City of Chicago. "Vehicle FAQs." Accessed May 11, 2023
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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