Do Speeding Tickets Affect Insurance Rates?

Police officer writing man a speeding ticket

One ticket? No big deal. Two tickets? It happens. So now the big question is, “Do speeding tickets affect insurance rates?”

There’s no hard and fast rule for how much your insurance will increase after a speeding ticket, a reckless driving conviction, or another traffic violation. If it’s just a blip on an otherwise excellent driving record, it may not be a big deal. If it’s your fourth infraction this year, well, you can expect a big rate hike. Here’s a detailed look at exactly how much insurance goes up after a ticket.

How Much Does Insurance Go Up After a Speeding Ticket?

Uh oh. You’ve got a pink piece of paper in your hand that says NOTICE TO APPEAR at the top. The fine’s not that big a deal, but how much do speeding tickets affect insurance?

Car Insurance Rate Comparison by Number of Traffic Tickets
Number of Tickets State Minimum Full Coverage
0 $1,057 $2,087
1 $1,187 $2,337
2-5 $1,449 $2,803
6+ $2,380 $3,693

*These averages are across the entire U.S., all age ranges, and all coverage policies. Rates may change due to any of these varibles changing.

The exact amount depends on a few things:

  • Your past driving record: If this is your first ticket in three or more years, you may not see a rate hike. But if this is your second or third ticket in three years, your insurance will definitely go up.
  • Your age: Drivers under 25 will likely see rates rise, even if it’s the very first speeding ticket you’ve ever received.
  • How fast you were going: If your ticket says you were driving less than 15 mph over the posted limit, then you can expect an average rate increase of around 20 percent. If you were driving a little faster but still less than 30 mph over, you’d probably see a slightly higher rate bump. Over 30 mph, however, your premiums may jump a full 30 percent.
  • The state where you live: North Carolina has really low car insurance rates (yay!) but also has really strict insurance penalties for traffic offenses (d’oh!). The North Carolina Safe Driver Incentive Plan states, for instance, that speeding by 10 mph or less when the speed limit is under 55 mph will raise your insurance premiums by 30 percent. And in Georgia, if you’re ticketed for driving 30 mph or more over the limit, your insurance can go up by 50 percent or more.
  • Your insurance company: Some insurers are more forgiving than others when it comes to raising rates after a speeding ticket. And if you were previously receiving a safe-driving discount on your premiums, your insurer might yank that in addition to bumping up your rates. Just remember, if you’re unhappy with your insurance bill after getting a speeding ticket, you can save big by shopping around! We make it easy. Compare quotes from multiple insurers in minutes to see who gives you the best deal. Try it today!

No Matter How Bad You Driving Record, Find Affordable Car Insurance Today!

How Much Does Insurance Go Up After a Traffic Violation?

For some minor offenses, like driving without a seatbelt or rolling through a stop sign, you’ll probably see only a slight increase in insurance (5 to 10 percent) or no change at all. More serious offenses, such as breaking your state’s distracted-driving laws, are similar to speeding: You’ll see a 15-20 percent increase.

Oddly enough, getting caught driving without insurance doesn’t usually raise rates significantly on its own. However, you’ll have to pay fines and will end up paying extra for letting your insurance lapse. And if your state requires an SR-22 because you were driving uninsured, that can be very expensive.

Learn more: What’s the Penalty for Driving Without Insurance in Your State?

How Much Does Insurance Go Up After a DUI?

The short answer: A lot. Insurance premiums are calculated based on risk, and a conviction for driving under the influence makes you a high risk in the eyes of an insurance company. Even if it was a one-time mistake, insurers have no guarantee you won’t do it again.

You may see your insurance premiums increase upwards of 75 percent after a DUI conviction. So if you were paying $2,000 per year before your DUI, your yearly cost could shoot up to $3,500 — or more! The insurance increase after a DUI may be even more significant, depending on factors such as where you live and your credit history. In a study of insurance rates in all 50 states, Consumer Reports found a driver with excellent credit and a DWI often pays less than someone with poor credit and a clean driving record.

Learn more: The Real Cost of a DUI

Why do Speeding Tickets Affect Your Insurance Rates?

Your auto insurance premiums are based on the company’s risk to insure you when you sign up for a policy. When there’s a greater likelihood that you’ll require more insurance payouts due to your driving history, life choices, or basic demographics, your insurance premium will reflect that risk.

Your driving record plays a significant part in how much your premium will be, especially your most recent driving history, which is why your history of speeding tickets can and will make your rates go up.

Speeding tickets are pretty common and are often the reason behind at-fault accidents, which is why insurance companies place you at a greater risk level when you have a history of receiving speeding tickets.

Your driving record is also pulled over time when you have your policy, and your rate can increase as you rack up additional violations. If you get to a certain point, they might even choose to drop you from your policy because you pose too great of a risk.

How to Find Affordable Car Insurance for High-Risk Drivers

Rack up enough speeding tickets or other violations, and insurers may label you a high risk. If you’re wondering, “Am I a high-risk driver?” here’s a checklist from Direct General. Have you….

  • Recently received your driver’s license?
  • Been in at least one at-fault car accident within the last 3 years?
  • Received multiple speeding tickets within the last 3 years?
  • Received multiple traffic citations within the last 3 years?
  • Been convicted of a DUI/DWI within the past 3 years?
  • Let your insurance coverage lapse?
  • Made several insurance claims in the past 3 years?

These factors and others, such as poor credit history, can contribute to that “high-risk driver” status. But don’t despair! Your status is a temporary condition that can be lifted after a few years of driving accident- and ticket-free. In the meantime, we can help you find affordable car insurance for high-risk drivers. Get fast and accurate quotes by entering some basic info, including the car you drive and where you live.

Our best advice is to be honest about your driving history! Insurance companies pull your driving record when they offer you a policy, so they’ll find out if you “forget” to tell them about that one reckless driving incident.

How Changing Insurance Companies Can Help

The good thing is even though you have speeding tickets or other driving infractions, it doesn’t mean you don’t have options. Shopping around is one of the best ways to maintain a more affordable rate since different insurance companies will weigh your driving history differently when calculating premiums.

Some companies will only raise your rate after you rack up a certain number of violations or when the speeding ticket is at least 15 mph over, for example, while others will raise it as much as possible and as quickly as they can.

Also, when comparing different insurance companies, be sure to see which ones can offer a policy discount.

Some typical discounts that can save you on your auto premium include:

  • Good student discount if you maintain good grades as a high school or college student
  • Multi-car discount if you have multiple vehicles under the same policy
  • Multi-policy discount if you have multiple insurance policies under the same account, such as renter’s insurance and auto insurance
  • Pay in full discount if you pay your annual or bi-annual insurance premium in full instead of in monthly payments
  • Vehicle safety feature discount if you have safety features installed in your vehicle, such as anti-lock braking and lane departure warnings.
  • Accident-free discount if you go an extended period without being involved in an accident.
  • Defensive driving course discount if you complete a defensive driving course.
  • Vehicle usage discount  if you don’t drive your vehicle often or don’t drive it during certain hours where accidents are more likely to occur
  • Customer loyalty discount if you’ve been a customer with the same company for an extended period
  • New customer discount if you switch to a new company and they offer an additional discount to lower your rate

You won’t know until you compare rates with other companies to see who can offer you the best insurance rate without sacrificing the quality of coverage. You can get started now, and in 5 minutes or less, you’ll have a list of insurance companies that can offer you the best auto rate possible. 

Uncover lower car insurance rates in just a few minutes!

What Are The Best Car Insurance Companies for a Bad Driving Record?

You’ll find many well-respected insurance companies that specialize in insuring high-risk drivers. Some of the best-known insurers that we work with include:

You may also want to consider a smaller, local insurer. While they don’t have the same name recognition as the big guys, they may be willing to offer you a cheaper deal on car insurance when your driving record isn’t so great.

Of course, there’s no single insurance company that offers the lowest rate for every driver. That’s why it always pays to compare.

What to do if You Have a Speeding Violation

Woman sitting in car after receiving speeding ticket

Getting a speeding ticket will likely happen to you at some point if it hasn’t already. So, it’s important not to drive in fear that one ticket will raise your rates drastically. Instead, it’s more important to drive safely and be prepared to manage any changes in your insurance that might take place after a driving infraction.

Here are some strategies to keep in mind the next time you get a speeding ticket.

Contest Your Ticket

If possible, see if you can contest the ticket. Maybe you can prove your speedometer was malfunctioning, or the police officer didn’t clock you at the correct speed. Proving your case will likely be an uphill battle, but if you believe you weren’t speeding, it’s worth a shot. And if the judge rules in your case, your insurance company won’t penalize you for the ticket. 

Take a Defensive Driving Course

Depending on the rules where you live, taking a defensive driving course after receiving a speeding ticket can remove the violation from your record. This can keep your insurance premiums low, allowing you to save big over time.

Drive Carefully

Once you have one speeding ticket, you can expect your insurance rates to increase if you get another. You want to drive carefully and pay close attention to your speed to decrease the likelihood that this happens again. Your insurance rates will thank you for it.

FAQs About Insurance Rates After a Speeding Ticket

Does a speeding ticket affect your insurance?

Yes, typically, getting a speeding ticket will increase your insurance premiums since it indicates you’re a higher-risk driver to the insurance company. However, it depends on your company how much they will increase your rate and how many tickets you have to rack up for the change. 

Will my insurance go up immediately after a speeding ticket?

Your rate increase depends on the company. Some will increase your rate soon after a ticket, while others will wait until you’ve accumulated several tickets or require you to go a certain MPH over the speed limit. Your insurance company might even wait until you renew your policy to remove a safe driving discount, so your rate will increase.

Should I tell my insurance company about a speeding ticket?

Yes, you should let your insurance company know if you receive a speeding ticket or other violations resulting in penalty points on your driving record. But, be sure to check with them to determine whether it’s a requirement or just something they recommend. 

How long do 3 points stay on your license?

Penalty points typically remain on your license for 4 years though they only remain active the first 3 years after the offense date. More serious offenses, such as getting a DUI, can stay on your license for over a decade. 

Compare Car Insurance Quotes