Car Models With the Most Speeding Tickets (2024)

Whether they’re behind the wheel of a zippy compact car or a practical sedan, drivers with speeding violations pay an average of $2,976 annually for full coverage.

Cassie Sheets
Written byCassie Sheets
Cassie Sheets
Cassie SheetsData Journalist
  • 9 years writing data-driven content

  • Lifestyle contributor to 30+ local news sites

Cassie Sheets has a background in home and garden and real estate content. At Insurify, she translates industry jargon into insights that empower insurance buyers.

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Tanveen Vohra
Edited byTanveen Vohra
Tanveen Vohra
Tanveen VohraManager of Content and Communications
  • Property and casualty insurance specialist

  • 4+ years creating insurance content

Tanveen manages Insurify's data insights, annual home and auto insurance reports, and media communications. She’s regularly featured in media interviews on insurance topics.

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Published May 24, 2024 at 5:00 AM PDT

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Speeding is a prevalent issue on American roads. Approximately 33 people died per day in speeding-related car accidents in 2022, according to the National Highway Traffic Safety Administration (NHTSA).[1] Drivers who speed don’t just put lives, including their own, at risk. They also face 16% higher full-coverage car insurance rates on average, according to Insurify data.

The drivers of certain vehicles rack up more speeding violations than others. Insurify’s data science team identified 10 car models whose drivers seem to be more likely to rack up speeding tickets. The top car model has a 113% higher speeding ticket rate (17.7%) than the average across all models in our database (8.3%).

A majority of the 10 vehicles with the speediest drivers in 2024 are sports cars with powerful engines, but some unexpected models also made the list.

Key Takeaways

  • Drivers of the Subaru BRZ, a sports car, are the worst offenders when it comes to speeding. Nearly one-quarter have one or more speeding tickets on record.

  • The average base price of the 10 cars with the speediest drivers is $25,117, or 47% lower than the $47,218 average new vehicle transaction price, according to Kelley Blue Book (KBB).

  • Tesla Model Y drivers have the lowest share of speeding tickets on record, at 2%. The Model Y has a speed assistance feature that warns drivers when they exceed a posted speed limit.

  • Foreign cars represent eight of the 10 cars with the speediest drivers. Chevrolet is the only domestic car brand appearing on the list.

Drivers rack up the most speeding tickets in these cars

From compact zippy cars to practical midsize sedans, people who drive these cars have the highest share of speeding tickets in 2024.

1. Subaru BRZ

  • Percentage of drivers with at least one speeding ticket: 23.9%

  • MSRP: $30,195

  • Horsepower: 228

The Subaru BRZ boasts “plenty of acceleration for extra fun,” according to the manufacturer’s website. Those driving the sleek two-door sports car are clearly taking advantage of the vehicle’s powerful 2.4-liter direct-injection engine. Nearly one-quarter of drivers report one or more speeding tickets on insurance applications.

Subaru BRZ drivers with a clean record have an average annual rate of $3,180 for full coverage, but drivers with a speeding ticket pay $3,540. The most-ticketed model had the highest average full-coverage insurance cost of the 10 cars with the speediest drivers.

2. Hyundai Genesis Coupe

  • Percentage of drivers with at least one speeding ticket: 21.9%

  • MSRP: $26,950

  • Horsepower: 348

The 2016 Hyundai Genesis Coupe, the last model year, boasts a 3.8-liter V6 engine with 348 horsepower. The discontinued model was one of the manufacturer’s earliest forays into sports cars, providing a more powerful replacement for the Hyundai Tiburon. Nearly 22% of Genesis Coupe drivers used that power irresponsibly and got one or more speeding tickets.

The average annual full-coverage insurance rate for a Hyundai Genesis Coupe is $2,604, just $48 more per year than the national average — but only if you have a clean driving record. Genesis Coupe drivers with a speeding ticket pay an average of $3,000 per year.

3. Volkswagen GTI

  • Percentage of drivers with at least one speeding ticket: 18.8%

  • MSRP: $25,095

  • Horsepower: 200

The Volkswagen GTI combines the practicality of a four-door hatchback with the power of a 200-horsepower, turbocharged, 2.0-liter, four-cylinder engine. The 18.8% of Volkswagen GTI drivers with speeding tickets may be attracted to the car’s sporty reputation.

VW GTI drivers with a clean record pay an average of $2,424 annually for full coverage, which is 5.4% less than the $2,556 average across all models. The cost of insuring a GTI increases by nearly 24% with a speeding ticket, rising to $3,000 per year.

4. Chevrolet Cruze Limited

  • Percentage of drivers with at least one speeding ticket: 17.9%

  • MSRP: $16,120

  • Horsepower: 138

Nearly 18% of Chevrolet Cruze Limited drivers have speeding tickets on record despite the vehicle’s modest 138 horsepower. The now-discontinued model offered decent fuel economy at an affordable price point, but faced stiff competition from emerging crossover SUVs.

Full-coverage insurance for the practical midsize sedan averages $2,232 annually with a clean driving record, which is 13% lower than the national average rate. The annual rate shoots up to $2,916, or 14% more expensive than the U.S. average, for drivers with at least one speeding ticket on record.

5. Nissan 350Z

  • Percentage of drivers with at least one speeding ticket: 17.6%

  • MSRP: $36,870

  • Horsepower: 306

Nissan ended a six-year production hiatus in the United States with the 2003 Nissan 350Z. The first model year boasted 287 horsepower, but later years have an impressive 306. Nissan discontinued the agile two-door sports car after five model years, but it’s a magnet for speed enthusiasts, with 17.6% of its drivers reporting speeding tickets.

Nissan 350Z drivers with a speeding ticket pay an average of $2,424 annually — 5% less than the average U.S. driver with a clean driving record. The 350Z’s age reduces its value and the replacement cost for insurers.

6. Subaru WRX

  • Percentage of drivers with at least one speeding ticket: 16.9%

  • MSRP: $32,735

  • Horsepower: 271

Nearly 17% of Subaru WRX drivers have at least one speeding ticket on record. Fortunately for the car’s lead-footed drivers, the WRX’s 2015 to 2022 model years earned Top Safety Pick or Top Safety Pick+ ratings from the Insurance Institute for Highway Safety (IIHS). Notably, the 2023 and 2024 model years didn’t get the IIHS recognition.

Even with a clean record, the high-performance sports car costs 13% more to insure than the national average. Drivers with a speeding ticket face a steeper average rate of $3,360 per year for full coverage, or 31% more than the U.S. average without a ticket.

7. Scion tC

  • Percentage of drivers with at least one speeding ticket: 15.8%

  • MSRP: $19,385

  • Horsepower: 179

The Scion tC is a more practical and economical version of its sporty cousin, the Scion FR-S. Still, drivers of the compact hatchback have the seventh-highest percentage of speeding violations on record.

Scion tC model years 2011 to 2015 earned Top Safety Pick recognitions from IIHS. The car is also affordable, which factors into its 13% lower-than-average insurance rate for drivers with a clean record. Scion tC drivers with a speeding ticket on record only pay $24 more annually for full coverage than the U.S. average.

8. Scion FR-S

  • Percentage of drivers with at least one speeding ticket: 15.2%

  • MSRP: $25,305

  • Horsepower: 200

The Scion FR-S is more focused on fun engineering features than the Scion tC, but its drivers have a slightly lower rate of speeding violations. The zippy FR-S is still a favorite among thrill-seeking drivers, with 15.2% reporting at least one speeding ticket on record.

Full-coverage insurance rates for the sporty coupe are 4% higher than the U.S. average for drivers with a clean record. Scion FR-S drivers with a speeding violation on record face a 19% higher annual rate than the U.S. average, at $3,036 compared to $2,556.

9. Chevrolet Malibu Limited (Tied)

  • Percentage of drivers with at least one speeding ticket: 14.5%

  • MSRP: $22,565

  • Horsepower: 202

The Chevrolet Malibu Limited is a practical midsize sedan that attracts nearly as many speedy drivers as the nimble sports cars in the top 10. Chevrolet produced the Malibu Limited for a single 2016 model year to offer a higher-horsepower version of the standard Malibu.

Insurance rates for the Chevy Malibu Limited are reasonable, even with a speeding ticket. Malibu Limited drivers with a speeding violation on record pay 9% less than the national average rate of $2,556, with an average annual rate of $2,328 for full coverage.

10. Toyota Yaris iA (Tied)

  • Percentage of drivers with at least one speeding ticket: 14.5%

  • MSRP: $15,950

  • Horsepower: 106

The Toyota Yaris iA has a modest 106-horsepower, 1.5-liter, four-cylinder engine, but that hasn’t stopped 14.5% of its drivers from breaking the speed limit. The Yaris iA is a sleeker, sportier version of the Toyota Yaris, which could attract speedy drivers.

Toyota Yaris iA drivers with speeding tickets pay about 6% less than the national average rate for full-coverage insurance, with an average annual cost of $2,412. The Yaris iA’s low price means insurance companies would pay less to replace the car if a driver totals it. The economy sedan’s 2017 model year also earned an IIHS Top Safety Pick rating.

Speedy drivers gravitate toward affordable sports cars

Sports car insurance premiums are generally higher than average because more horsepower increases accident risk, they may attract car thieves, and they often have specialty parts that make repairs more expensive.[2] Drivers who speed could also be driving up rates, with sports cars comprising six of the 10 most-ticketed vehicles.

Sporty vehicles marketed as sleek, fun, and turbocharged unsurprisingly attract the fastest drivers. Motorists with the most speeding tickets also gravitate toward more affordable vehicles. Seven of the 10 cars that made this list have an MSRP of less than $30,000, and three of those vehicles cost less than $20,000.

Traffic violations factor into insurance premiums. People with one or more speeding tickets on record pay an average of 16% more for full coverage than drivers with a clean driving record. If you get a speeding ticket, you can expect it to affect your insurance premiums for three to five years, but there are ways to lower your premium.

Every insurer weighs speeding tickets differently, so comparing multiple rates on an auto insurance comparison site could help you save. Increasing your deductible can reduce your insurance premium, but you’ll need to pay higher out-of-pocket costs before you receive compensation from your insurer. Some companies offer discounts for defensive driving courses.

Following the speed limit in the future is the easiest way to save an average of $420 per year on full coverage. Plus, with an NHTSA study attributing more than 12,000 deaths to speeding in 2022, avoiding dangerous speeds could also save lives.

Methodology

Insurify’s data science team examined more than 97 million rates from car insurance applications in its proprietary database. Insurify driver applications originate from all 50 states and Washington, D.C., and include information on driving history and coverage specifications. Premiums come from quoting integrations with partner insurance companies.

Full-coverage rates correspond to policies with 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; and comprehensive and collision coverage deductibles of $1,000.

Rates reflect the average insurance cost for a driver between the ages of 20 and 70 with either a clean driving record or speeding ticket(s) on record. Base MSRP and horsepower numbers are from Autoblog.

Sources

  1. National Highway Traffic Safety Administration. "Speeding."
  2. Progressive. "Insurance for Sports, Exotic, & Luxury Cars."
Cassie Sheets
Cassie SheetsData Journalist

Cassie Sheets has more than nine years of experience creating compelling content for clients, brands, and local news sites. She started her career at Movoto Real Estate, where she transformed dry data into interesting insights for potential homebuyers. She’s since covered a wide range of topics, from pop culture news to home and garden trends.

Before joining Insurify, Cassie wrote engaging landing pages and blog posts for medical practices at MyAdvice. Now, she uses her knack for diving into the latest data and pulling out key details to empower insurance buyers.

Cassie holds a BFA in Creative Writing from Columbia College Chicago. In her free time, you can find her exploring the city with her dog, trying not to fall over in yoga classes, and petting cats at the shelter.

Tanveen Vohra
Edited byTanveen VohraManager of Content and Communications
Tanveen Vohra
Tanveen VohraManager of Content and Communications
  • Property and casualty insurance specialist

  • 4+ years creating insurance content

Tanveen manages Insurify's data insights, annual home and auto insurance reports, and media communications. She’s regularly featured in media interviews on insurance topics.

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