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Updated
Getting a speeding ticket in New York has steep penalties. Depending on how fast you’re going, fines can range between $45 and $600 for a first offense.[1]
A single speeding ticket can also cause your car insurance rates to increase significantly. While people with clean driving records pay an overall average of $198 per month, people with speeding tickets on their driving record pay an average of $240 per month.
The good news is that some insurers, such as Erie and USAA, offer more affordable rates after a ticket.
Below, learn how a speeding ticket can affect your auto coverage premiums and what you can do to save money as a New York driver.
After a speeding ticket, New York drivers pay average monthly premiums of $186 for liability-only coverage and $295 for full-coverage policies.
Over the course of one year, New York residents with a driving history including a speeding ticket pay about $600 more for coverage than people with good credit and clean driving records.
In New York, the Department of Motor Vehicles (DMV) calculates your total points by looking at all your violations within the last 24 months.
After a speeding ticket, comparison shopping is one of the best ways to save money on car insurance in New York. While some insurers charge much higher rates after infractions, other insurers have more modest increases.
Each company has its own unique formula for determining rates and weighs factors like age or driving history differently, so rates can vary. For example, USAA charges $94 per month for liability car insurance for New York drivers with speeding tickets. By contrast, the state liability-only average for drivers with a speeding ticket is $186.
The table below shows the cheapest car insurance rates after a speeding ticket for New York drivers.
Insurance Company  | Average Full-Coverage Quote: With Clean Record | Average Full-Coverage Quote: With Speeding Ticket |
|---|---|---|
| Erie | $116 | $151 |
| USAA | $120 | $153 |
| Travelers | $141 | $180 |
| State Farm | $165 | $206 |
| Allstate | $173 | $222 |
| Nationwide | $176 | $225 |
| GEICO | $182 | $235 |
| CSAA | $221 | $286 |
| Chubb | $321 | $403 |
| Progressive | $357 | $433 |
| Bristol West | $437 | $543 |
Monthly rates start at $94 for drivers with a ticket
In New York, a speeding ticket will increase your premiums by about 22%, based on the overall average premiums.
For liability coverage in New York, drivers with clean records pay an average of $153 per month. After a speeding ticket, the average premium jumps to $186, a $33 monthly increase.
For full-coverage policies, the difference is more drastic. The average premium is $252 per month for drivers without a ticket, while drivers with tickets pay $307 per month — a $55 monthly increase.
Several factors influence your rates besides speeding tickets, including your age, driving history, and insurer. Drivers with multiple tickets or violations will see higher increases.
Compare average monthly premiums for New York drivers with and without a speeding ticket.
Driver Profile | Average Monthly Rate: Full Coverage | Average Monthly Rate: Liability Only |
|---|---|---|
| Clean record | $252 | $153 |
| Speeding ticket | $307 | $186 |
| Difference | $55 | $33 |
Some insurers offer accident forgiveness or violation forgiveness programs that may soften the effect of a first ticket. But rate increases can be steep for speeding tickets involving reckless driving or excessive speeds.
New York insurers usually raise rates for drivers with speeding tickets on their records because they’re statistically more likely to file claims.
New York uses a points system for moving violations. Depending on how fast you were going and whether the violation was in a school zone or work zone, you could get anywhere from three to 11 points.[2]
Drivers who accumulate 11 points or more in 24 months can face driver’s license suspension.
Penalties for speeding in New York range between $45 and $600, depending on the severity of the violation. Drivers who receive six or more points within an 18-month period will have to pay a state surcharge and potentially a driver responsibility assessment.
In New York, insurers can only apply rate surcharges for speeding violations of more than 15 miles per hour over the speed limit.[3]
Where you live also plays a role. Drivers in New York City pay some of the highest rates in the state, averaging $251 per month due to increased accident rates and traffic congestion. If you have a speeding ticket, monthly rates increase to $305.
Depending on the severity of the violation, a speeding ticket in New York should fall off both your DMV and insurer records after four years.[4]
In New York, the DMV calculates your total points by looking at all violations within the last 24 months. But the points remain on your record for as long as the conviction remains on your record, and your insurer can use them to determine your premiums.
Save up to $1,100 per year on coverage
A speeding ticket doesn’t mean you’re stuck with sky-high insurance rates until it falls off your record. New York drivers have several ways to reduce their insurance premiums:
Complete an approved Point and Insurance Reduction Program (PIRP) course. In New York, drivers can take a PIRP course to reduce the number of points on their records and save 10% on their insurance premiums.
Raise your deductible. Increasing the deductible on your collision and comprehensive insurance can lower your monthly premium.
Bundle your coverage. New York drivers can save money by bundling auto insurance with homeowners, renters, or condo insurance.
Shop around. Compare quotes from multiple insurers to find a company that offers cheaper coverage after a speeding ticket.
If you live in New York state, the following information can help you find affordable car insurance after a speeding ticket.
Depending on the traffic violation and the number of points, speeding tickets can remain on your record for up to four years.
Unlike traditional speeding tickets, New York City speed camera violations don’t become a part of your driving record with the DMV, nor do they affect your insurance rates.
Because New York City speed cameras only identify the vehicle and not the driver, the state won’t add points to the driver’s record. But if a speed camera records the vehicle you’re registered to speeding, you may have to pay a $50 fine.[5]
No. New York doesn’t have a self-reporting requirement, so you don’t have to notify your insurance company about a traffic ticket. The DMV will notify your insurance company about any tickets you may have.
Yes. A speeding ticket will usually cause your New York car insurance premiums to increase. On average, premiums increase by about 22%.
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:
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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5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
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