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Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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A licensed P&C agent in Missouri, MacK leverages his insurance expertise to fact-check and review Compare.com content.
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Country Financial has the lowest car insurance premiums after a speeding ticket, at an average of $66 per month, according to Compare.com data.
A speeding ticket doesn’t always lead to a rate increase, but whether it affects your premium depends on factors like your insurer, state, and the circumstances of the violation.
How much your insurance may increase after a speeding ticket depends on the severity of the violation and your driving record, state, and insurer.
You may be able to lower your rate by completing a defensive driving course or traffic school, asking about available discounts, and adjusting your coverage or deductibles.
Car insurance rates can vary significantly between companies, even for drivers with the same speeding violation. Some insurers may be more forgiving of a single speeding ticket for a driver with an otherwise clean driving record. But repeated violations can result in a higher premium — especially if you already have a bad driving record. Insurers may also treat more serious offenses, such as reckless driving, differently from speeding tickets.
The following table shows the average cost for full-coverage car insurance after a speeding ticket across major insurance companies. Use these rates as a starting point to compare quotes.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $118 |
| NJM | $121 |
| Country Financial | $129 |
| State Farm | $130 |
| USAA | $133 |
| Erie | $158 |
| Mile Auto | $161 |
| Safeco | $185 |
| GEICO | $197 |
| Root | $202 |
| Commonwealth Casualty | $207 |
| Elephant | $209 |
| Direct Auto | $211 |
| American Family | $211 |
| National General | $218 |
| AssuranceAmerica | $230 |
| GAINSCO | $239 |
| Plymouth Rock | $251 |
| Travelers | $253 |
| Mercury | $258 |
| Liberty Mutual | $264 |
| Clearcover | $267 |
| Bristol West | $267 |
| Farmers | $269 |
| Chubb | $290 |
| Anchor | $293 |
| The General | $297 |
| Dairyland | $307 |
| Shelter | $329 |
| CSAA | $337 |
| The Hartford | $341 |
| 21st Century | $356 |
| State Auto | $402 |
| Amica | $560 |
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A speeding ticket can usually affect your car insurance rate for three to five years.[1] The exact period depends on your state’s insurance laws. Some states, like Maryland, New York, and Texas, typically allow only a three-year lookback period for most convictions.[2] In Maine and Nevada, insurers may ask about accidents and traffic violations from the previous three to five years.[3]
Your insurance company’s rating rules can also affect how long a violation influences your rate. More serious violations, such as a hit-and-run, driving under the influence (DUI), or reckless driving conviction, can have additional consequences, including license suspension and possible policy cancellation or non-renewal, according to the Insurance Information Institute.
Check your state’s department of motor vehicles or insurance department for more details.
No. A speeding ticket doesn’t always raise your car insurance rates. How much it affects your premium depends on several factors, including:
Severity: How far over the speed limit you were driving can affect the size of the increase. Some states and insurers treat minor and major violations differently.
Driving record: An otherwise clean record can limit the effect of a first speeding ticket, while repeated violations may lead to a larger premium increase.
Age and experience: Less experienced and younger drivers may face a larger rate increase after a speeding ticket.
You’ll usually see a rate increase on your policy renewal from a speeding ticket, not right after you get the ticket. That’s because insurers typically review your motor vehicle record (MVR) when preparing your renewal for the next policy period.
Before your policy renews, you may be able to reduce or even prevent a rate increase.
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A speeding ticket doesn’t mean you’re stuck with a higher premium. Here are some steps you can take to lower your car insurance costs:
Compare quotes. Get multiple car insurance quotes from several insurers to see whether another company offers a better rate for your current driving record.
Ask about a defensive driver discount. Check whether your insurer offers a discount for completing a state-approved defensive driving course.
Check for violation or accident forgiveness. Some insurers offer minor-violation and accident forgiveness programs that can prevent your first minor violation or at-fault accident from increasing your rate.
Review your coverage. Talk with your insurer about whether adjusting your coverage makes sense for your situation. Removing comprehensive or collision coverage on an older, paid-off vehicle or raising your deductible may lower your premium, but it can also increase your out-of-pocket costs.
Ask about other car insurance discounts. Make sure you’re receiving every discount you qualify for, such as bundling, low-mileage, going paperless, or making automatic payments.
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Insurers often treat a speeding ticket as less severe than an at-fault accident, reckless driving, or DUI, which can mean a smaller rate increase. An at-fault accident can also affect your rates differently and may result in an insurance claim.
DUIs can have a greater effect on your rates, and impaired driving has a strong link to serious crashes. Around 30% of traffic fatalities involve drunk drivers, according to the National Highway Traffic Safety Administration (NHTSA).
Multiple infractions can lead to even larger increases, as insurers consider your overall driving record when setting rates. The table below shows how state minimum-coverage and full-coverage rates can differ by violation type, according to Compare.com data.
Infraction Type | Average Monthly Liability Premium | Average Monthly Full-Coverage Premium |
|---|---|---|
| No infractions | $101 | $185 |
| Speeding ticket | $130 | $238 |
| At-fault accident | $136 | $248 |
| DUI/DWI | $145 | $265 |
A speeding ticket can affect your insurance rate, but the effect depends on your insurer, driving record, and other factors. Here are answers to common questions about car insurance after a ticket.
It depends. A speeding ticket can affect car insurance, but the rules vary by state. State laws, how your insurer evaluates tickets, the speed involved, and your driving record, age, and experience can affect how a ticket affects your policy.
Yes. Your car insurance rates may decrease after a speeding ticket falls off your driving record, but there’s no guarantee. Insurers consider other factors, including your overall driving record and claims history, when setting your policy renewal rates.
It depends. Fighting a speeding ticket in court can help keep it off your driving record or reduce it to a non-moving violation, similar to a parking ticket. In some states, like California, traffic school may help keep an eligible violation or points off your driving record.[4]
Yes. Drivers can switch insurance companies at any time, including right after getting a speeding ticket. But insurers typically check your motor vehicle record (MVR) to determine eligibility and rates, and the ticket may appear on that record.
Not necessarily. Speeding tickets often affect insurance less than a minor at-fault accident. But it varies by insurer and your overall driving history. A minor at-fault accident may result in a surcharge at your next renewal if you don’t have accident forgiveness.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
A licensed P&C agent in Missouri, MacK leverages his insurance expertise to fact-check and review Compare.com content.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
