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
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Nick Dauk
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Konstantin Halachev
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Updated February 26, 2024 at 11:00 AM PST

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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: Monday, February 26 at 11:00 AM PST
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
Erie95131
Root97147
USAA100114
Mile Auto100158
Plymouth Rock108122
State Farm115127
Metromile118174
GEICO119136
Safeco124167
Allstate139159
Progressive146182
Clearcover147196
CSAA147183
Mercury151229
Elephant174203
American Family174206
The Hartford179289
Nationwide186218
National General188218
Direct Auto194245
Travelers198235
Shelter198276
AssuranceAmerica199269
Liberty Mutual200268
State Auto202272
Dairyland229282
Farmers249286
The General250308
Chubb253300
GAINSCO256277
Anchor265350
Infinity268342
21st Century275345
Amica290437
Bristol West292347
Commonwealth Casualty304328
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: Monday, February 26 at 11:00 AM PST
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 Auto5485
Erie5880
Allstate6271
Root6294
Safeco6689
Metromile76112
American Family7791
National General7991
Progressive82102
Dairyland83102
Mercury83126
Nationwide8498
Clearcover87116
Travelers89106
CSAA91113
Direct Auto93117
Liberty Mutual95127
Elephant98114
State Auto100135
Anchor104137
Farmers109125
Shelter110153
AssuranceAmerica115155
The Hartford115186
The General116143
Commonwealth Casualty116125
Chubb116138
GAINSCO119129
21st Century123155
Bristol West129153
Infinity175223
Amica179270
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 $137 and $156, respectively. Insurers in Florida and Louisiana are less forgiving, with monthly overall average rates of $302 and $354, respectively.

StateSpeeding TicketClean Record
Alabama$263$169
Arizona$278$193
Arkansas$338$229
California$300$211
Colorado$303$208
Connecticut$438$330
Delaware$286$209
Florida$353$299
Georgia$344$237
Hawaii$173$111
Idaho$223$144
Illinois$260$176
Indiana$206$137
Iowa$248$168
Kansas$244$168
Kentucky$312$236
Louisiana$475$318
Maine$292$177
Maryland$372$286
Massachusetts$279$193
Michigan$441$366
Minnesota$289$208
Mississippi$295$186
Missouri$333$232
Montana$277$198
Nebraska$309$209
Nevada$401$308
New Hampshire$218$126
New Jersey$292$210
New Mexico$279$193
New York$206$183
North Carolina$167$111
Ohio$218$149
Oklahoma$316$212
Oregon$267$173
Pennsylvania$237$188
Rhode Island$258$179
South Carolina$406$271
South Dakota$277$166
Tennessee$237$169
Texas$344$169
Utah$248$169
Vermont$256$169
Virginia$235$169
Washington$288$169
Washington DC$314$169
West Virginia$293$169
Wisconsin$210$169
Wyoming$286$169
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$98$63
Arizona$134$93
Arkansas$148$100
California$161$113
Colorado$121$83
Connecticut$245$185
Delaware$175$128
Florida$251$213
Georgia$206$142
Hawaii$100$64
Idaho$108$70
Illinois$115$78
Indiana$104$69
Iowa$93$63
Kansas$112$77
Kentucky$271$175
Louisiana$233$156
Maine$145$88
Maryland$218$168
Massachusetts$140$97
Michigan$226$188
Minnesota$142$102
Mississippi$116$73
Missouri$133$93
Montana$131$94
Nebraska$130$88
Nevada$242$186
New Hampshire$94$54
New Jersey$153$110
New Mexico$101$70
New York$171$152
North Carolina$84$56
Ohio$101$109
Oklahoma$133$151
Oregon$151$135
Pennsylvania$114$139
Rhode Island$196$157
South Carolina$249$218
South Dakota$105$114
Tennessee$109$124
Texas$166$183
Utah$137$135
Vermont$106$114
Virginia$132$131
Washington$128$145
Washington DC$167$180
West Virginia$116$130
Wisconsin$96$97
Wyoming$112$119
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.

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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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