Cars With the Most Speeding Tickets (2026)

Speeding remains one of the deadliest driving habits. It contributed to 28% of fatal crashes in 2024, according to the National Highway Traffic Safety Administration (NHTSA). Perhaps surprisingly, the vehicles most associated with speeding tickets aren’t exotic sports cars with six-figure price tags.

Our Compare.com data scientists analyzed more than 58 million car insurance quotes from our proprietary database. They found that the vehicles with the highest share of speeding tickets include luxury sedans with comparatively modest starting prices, sporty coupes, an electric crossover, and even a family minivan.

The BMW M3, with a speeding ticket rate of 8.3%, stands out for its high performance and starting price of around $76,000. The remaining nine vehicles in the top 10 have starting prices around or below the national average price of a new vehicle.

Two other BMWs made the list: the BMW 4 Series and 3 Series. Drivers of the model with the most speeding tickets, the BMW 4 Series, have a speeding ticket rate (9.4%) that is 129% higher than the national average (4.1%).

Aside from the Kia Soul EV, an electric vehicle, and the Chrysler Voyager, a minivan, all other vehicles in the top 10 are sport sedans and coupes. No trucks or SUVs made the list.

Notably, none of the vehicles in the top 10 has a starting price above $100,000.

Key Findings

• Three BMW models make the top 10 list for the highest share of drivers with a speeding ticket, with the 4 Series ranking first, at 9.4%.

• Drivers of high-end luxury sports cars have a 2.8% speeding ticket rate, about 32% lower than the national average.

• Drivers of the 10 most ticketed vehicles are nearly twice as likely as the average driver to have a speeding ticket (8.1% vs. 4.1%).

• A single speeding ticket raises the average full-coverage car insurance premium by $644 per year, bringing the national average to $3,039.

Top 10 Car Models With the Highest Speeding Ticket Rates

Speeding tickets can signal risky driving behavior to insurance companies, and insurers typically charge higher premiums to drivers with violations on their records. The national average cost of full-coverage car insurance after a speeding ticket is $3,039 per year, an increase of 27%, according to our rate data at Compare.com.

Drivers of the 10 most ticketed vehicles are also 68% more likely than the average driver to have an accident on their record, 7.9% compared with 4.7% nationally.

Drivers themselves are the main factor when it comes to speeding, but certain vehicle characteristics may attract drivers who want to make the most of a car’s performance. Seven of the 10 vehicles on this list use turbocharged engines, a feature that can appeal to drivers who prioritize a responsive, performance-focused driving experience.

Faster depreciation can also make luxury and performance vehicles more affordable to a broader group of used-car buyers.

Six of the 10 vehicles on our list lose value faster than the average vehicle, which depreciates 41.8% over five years. The Jaguar XF loses 59.5% of its value over five years, while the Alfa Romeo Giulia loses 52.2%, the two highest depreciation rates out of the list.

1. BMW 4 Series

• Speeding ticket likelihood: 94 in 1,000 drivers

• Average annual premium post-speeding ticket: $4,309 (+26%)

• Base horsepower: 255

• MSRP: $50,700

The BMW 4 Series has the highest speeding ticket rate in our analysis, at 9.4%, more than twice the national rate. Even with clean driving records, 4 Series drivers pay 43% more than the average driver for car insurance, and premiums reach $359 per month after a speeding ticket.

With 255–386 horsepower across the lineup, the 4 Series reaches 0 to 60 mph in about 4.2 to 5.8 seconds, depending on configuration. The turbocharged engine of the BMW 4 Series delivers peak torque at relatively low RPMs. That quick buildup of speed could make it easier for drivers to misjudge acceleration, and it may be why the 4 Series also leads our analysis of cars with the highest accident rate.

2. Toyota 86

• Drivers with a speeding ticket: 89 in 1,000 drivers

• Average annual premium post-speeding ticket: $3,609 (+10%)

• Base horsepower: 205 (manual)

• MSRP: under $27,000

The Toyota 86 proves drivers don’t need a big budget or a turbocharger to collect speeding tickets. Its 2.0-liter manual transmission has 205 horsepower and reaches 0 to 60 mph in 6.2 seconds. Even so, drivers of the 86 are 117% more likely to have a speeding ticket on their record (8.9%).

Though not the fastest car on the list, the Toyota 86 pairs affordability with rear-wheel drive, a lightweight chassis, and responsive steering, which may attract drivers who favor spirited driving.

A speeding ticket raises the 86’s average full-coverage premium by 10%. This puts the monthly insurance payments at $301.

3. Subaru WRX

• Drivers with a speeding ticket: 86 in 1,000 drivers

• Average annual premium post-speeding ticket: $3,358 (+21%)

• Base horsepower: 271

• MSRP: $35,750

Subaru marketed the WRX as a rally-inspired sedan, which may appeal to drivers looking for a more performance-focused driving experience. The base model’s 2.4-liter turbocharged BOXER four-cylinder engine produces 271 horsepower and reaches 0 to 60 mph in 5.5 seconds. More than 1 in 12 WRX drivers (8.6%) report a speeding ticket.

After a ticket, they pay an average of $280 per month for car insurance.

4. BMW M3

• Drivers with a speeding ticket: 83 in 1,000 drivers

• Average annual premium post-speeding ticket: $4,162 (+13%)

• Base horsepower: 473

• MSRP: $78,400

The quickest and most expensive car on the list, the BMW M3 has a ticket rate of 8.3%, about 1 in 12 drivers. Its 3.0-liter twin-turbocharged six-cylinder engine produces 473 horsepower, more than any other vehicle on the list. The M3 base model reaches 0 to 60 mph in 4.1 seconds and tops out at 155 mph. That power allows rapid acceleration even when passing or merging, a situation that usually calls for caution.

After a ticket, drivers see an average insurance increase of 13%, one of the smallest increases on our list.

5. Alfa Romeo Giulia

• Drivers with a speeding ticket: 82 in 1,000 drivers

• Average annual premium post-speeding ticket: $4,273 (+19%)

• Base horsepower: 280

• MSRP: $48,245

The Alfa Romeo Giulia, the only Italian car on our list, has the second-highest post-ticket insurance rate, at $356 per month, just below the BMW 4 Series. The Giulia has a ticket rate of 8.2%, twice as high as the national average.

The standard rear-wheel drive Giulia has a 2.0-liter turbocharged four-cylinder engine and reaches 0 to 60 mph in 5.5 seconds. The practicality, used-car pricing, and sports-car feel of the Giulia create an accessible everyday vehicle whose performance appeal may help explain its speeding ticket rate.

6. Jaguar XF

• Drivers with a speeding ticket: 81 in 1,000 drivers

• Average annual premium post-speeding ticket: $4,265 (+45%)

• Base horsepower: 246

• MSRP: $49,800

The British-made Jaguar XF has an 8.1% ticket rate even though it’s the slowest sports sedan in our top 10, edging out only an EV and a minivan in acceleration. Its rear-wheel base version pairs a 2.0-liter turbocharged four-cylinder engine with a 6.5-second 0-to-60-mph time.

A speeding ticket affects XF drivers’ insurance rates more than any other in the top 10, raising the average premium by 45%. Jaguar ended XF production in June 2024, and this model has no direct replacement. Its British engineering often requires a specialty mechanic, meaning owners could face higher insurance premiums and rising repair costs as parts get harder to find.

7. Kia Stinger

• Drivers with a speeding ticket: 78 in 1,000 drivers

• Average annual premium post-speeding ticket: $4,044 (+24%)

• Base horsepower: 300

• MSRP: $36,590

About 1 in 13 Kia Stinger drivers (7.8%) report having a recent speeding ticket, and these drivers experience an average premium increase of 24%.

The base Stinger tops out at 130 mph with a 2.5-liter turbocharged engine and hits 0 to 60 mph in 5.2 seconds. Higher trim levels with a 3.3-liter twin turbo can reach 167 mph. With a price point below many luxury sports sedans, the sporty fastback Kia Stinger brought high performance outside the traditional luxury market.

8. BMW 3 Series

• Drivers with a speeding ticket: 77 in 1,000 drivers

• Average annual premium post-speeding ticket: $3,705 (+30%)

• Base horsepower: 255

• MSRP: $45,500

The BMW 3 Series has a ticket rate of 7.7%, about 88% higher than average. Its base version, the 330i, comes standard with a 2.0-liter turbocharged engine and gearshift paddles, and it goes from 0 to 60 mph in 5.6 seconds. This combination gives drivers quick access to speed and more control over gear changes, which may encourage harder acceleration. After receiving a ticket, 3 Series drivers average a 30% increase in auto insurance rates, paying $309 per month.

9. Kia Soul EV

• Drivers with a speeding ticket: 77 in 1,000 drivers

• Average annual premium post-speeding ticket: $3,113 (+9%)

• Base horsepower: 109

• MSRP: $33,950

The Kia Soul EV is the only electric vehicle in the top 10. Our data shows 1 in 13 Soul EV drivers (7.7%) report having a recent speeding ticket, tying with the 3 Series.

The Soul EV takes 11.2 seconds to hit 60 mph, but its electric motor delivers immediate torque, giving drivers a responsive feel at lower speeds. Paired with its youthful styling and accessible price, the Soul EV may appeal to younger drivers with limited driving experience, which could help explain the vehicle’s high speeding ticket rate. Soul EV drivers see an average premium increase of 9%, the lowest increase of the 10.

10. Chrysler Voyager

• Drivers with a speeding ticket: 76 out of 1,000

• Average annual premium post-speeding ticket: $3,024 (+27%)

• Base horsepower: 287

• MSRP: $41,395

Similar to the Soul EV, the Chrysler Voyager isn’t particularly fast, and buyers are likely looking for value, not performance. Still, Voyager drivers are about 85% more likely to have a ticket (7.6%). The Voyager has a 3.6-liter V-6 engine without a turbocharger and reaches 0 to 60 mph in about 7.3 seconds.

The Voyager’s elevated ticket rate likely has less to do with a driver’s desire for a speedy car. The pressure of running behind or keeping up with traffic, as noted by the NHTSA, may be what’s driving the minivan’s higher ticket rate. Voyager drivers experience a rate increase of 27% after receiving one speeding ticket.

The Quickest Cars Don’t Always Get the Most Speeding Tickets

Compare.com data reveals that a vehicle’s ability to speed doesn’t necessarily translate into more speeding tickets.

As of 2024, the average 0-to-60 time for new vehicles is 7.5 seconds. Nine of the top 10 vehicles with the highest speeding ticket rate are faster than average. The Chrysler Voyager is close, at 7.3 seconds, but the Kia Soul EV is much slower, at 11.2 seconds.

The five quickest vehicles from the dataset, whose base versions reach 0 to 60 in 3.9 seconds or less, have a combined speeding ticket rate of 3.4%, significantly below the national average of 4.1%. By comparison, the 10 most ticketed vehicles have an average rate nearly twice as high, at 8.1%.

High-End Sports Cars Have Below-Average Speeding Ticket Rates

Kelley Blue Book reports that buyers paid an average of $123,947 for high-end luxury vehicles in August 2026, roughly double the cost of an entry-level luxury vehicle. Our data shows that none of the 10 most ticketed vehicles have a base price above $75,000.

The quickest and most expensive sports cars in the dataset, with base prices above $100,000 and able to reach 0 to 60 mph in under five seconds, have a combined speeding ticket rate of 2.8%. That’s about 32% below the national average.

Drivers of the 10 most ticketed vehicles are about three times as likely to have a speeding ticket as drivers of high-end luxury sports cars.

The Nissan GT-R and Porsche 911 both rank for quick 0-to-60 acceleration times and have a base MSRP above $100,000. While the 911 has the higher price tag, the GT-R reaches 0 to 60 in 2.9 seconds and has the lowest speeding ticket rate, 1.1%.

Gen Z Is 5x as Likely as Boomers to Get a Speeding Ticket

Car crashes are a leading cause of death for U.S. teens. In 2024, speeding was a factor for one-third of passenger-vehicle teen drivers involved in fatal crashes.

Our proprietary data from Compare.com shows Gen Z drivers have the highest speeding ticket rate, at 8.9%, which breaks down to 1 in 11 drivers. Insurance companies use age and driving experience as a significant rating factor in most states, which is why younger drivers tend to pay the most for car insurance.

Gen Z drivers pay $3,396 per year for full-coverage car insurance after receiving a speeding ticket, $921 more per year than boomers.

The data across Gen Z, millennials, Gen X, and baby boomers reveals that drivers report fewer speeding tickets as they age. Only 1 in 60 boomers report receiving a speeding ticket, the lowest rate among generations.

Steps Drivers Should Take After a Speeding Ticket

A speeding ticket usually takes time to appear on a driver’s record. Unless the insurance policy includes a feature or endorsement that forgives the first violation, most will apply a surcharge upon the next policy renewal.

Before that happens, drivers can contest a ticket containing inaccurate information or ask the court to reduce the charge to a lesser violation. Depending on the state, a reduced charge may carry fewer license points or become a non-moving violation that’s less likely to affect insurance rates.

Eligible drivers may also qualify for a defensive driving course that reduces license points. But many state-mandated courses don’t necessarily remove the violation from the motor vehicle report. When this happens, insurers can still factor the violation into the premium.

If the ticket does raise rates, drivers can ask their insurer about available discounts and shop around. Comparing quotes from at least three companies can help since insurers don’t all price speeding violations the same way.

Methodology

Compare.com data scientists reviewed more than 58 million quotes using our proprietary database, quoted via integrations with partnering insurance companies. Insurance applications come from all 50 states and Washington, D.C., and contain information on the precise coverage specifications within each policy quote that drivers see.

Speeding data in this report comes from insurance applications dated January 2025 to August 2026. Speeding rates reflect the share of drivers of a certain model reporting a speeding violation within the past three years, according to their insurance applications.

Compare.com examined the 357 most quoted vehicles still in its database. We excluded models last sold new before the 2014 model year, vehicles used mainly for commercial purposes, and models with fewer than 5,000 quotes.

The full-coverage car insurance premiums in this report reflect the median insurance cost for drivers ages 20 to 70 with at least one speeding violation on their driving record, unless noted. Annual prices use two-year rolling medians to mitigate market volatility in recent years.

Full-coverage premiums represent policies with bodily injury limits between state-minimum requirements and $50,000 per person and $100,000 per accident; property damage coverage between $10,000 and $50,000; and comprehensive and collision coverage with deductibles of $1,000.