Does a speeding ticket affect your insurance?

Does a first-time speeding ticket affect your insurance?

In most cases, yes. Even if it’s your first ticket, your insurance company will see you as a greater risk and will increase your car insurance rates accordingly.

Some companies offer first-ticket forgiveness that can prevent your car insurance from going up after your first ticket. It’s also worth noting that not all insurance companies pull your driving record every time your car insurance renews. If the company doesn’t pull your driving record, the ticket won’t affect your insurance.

However, the odds are good that your insurance company will eventually run your record, find the ticket, and charge you for it. You may be able to avoid an increase for a first-time speeding ticket by keeping it off your record through traffic school or other possible options.

State	Company	Average rate for a clean record	Annual premium after a speeding ticket
Alaska	Allstate	$2,791	$3,294
Alaska	GEICO	$1,818	$3,341
Alaska	Progressive	$1,752	$2,602
Alaska	State Farm	$2,523	$2,680
Alaska	USAA	$1,575	$2,044
Alabama	Allstate	$2,524	$2,797
Alabama	Auto-Owners	$2,227	$2,844
Alabama	Farmers	$3,024	$4,793
Alabama	GEICO	$1,709	$3,162
Alabama	Nationwide	$1,963	$3,028
Alabama	Progressive	$2,452	$3,129
Alabama	Travelers	$1,677	$2,351
Alabama	USAA	$1,556	$1,798
Arkansas	Allstate	$3,745	$4,323
Arkansas	Farmers	$2,869	$5,029
Arkansas	GEICO	$1,871	$3,037
Arkansas	Nationwide	$2,673	$4,328
Arkansas	Progressive	$4,017	$5,214
Arkansas	Travelers	$1,680	$2,591
Arkansas	USAA	$1,527	$1,819
Arizona	Allstate	$2,846	$4,286
Arizona	Auto-Owners	$2,258	$4,025
Arizona	CSAA Insurance (AAA)	$4,965	$6,210
Arizona	Farmers	$2,865	$3,691
Arizona	GEICO	$1,796	$3,286
Arizona	Nationwide	$2,636	$3,921
Arizona	Progressive	$2,114	$2,951
Arizona	State Farm	$2,883	$3,066
Arizona	Travelers	$1,707	$2,503
Arizona	USAA	$1,880	$2,431
California	Allstate	$3,922	$5,685
California	Auto Club Enterprises (AAA)	$2,967	$4,273
California	CSAA Insurance (AAA)	$2,874	$3,646
California	Farmers	$3,409	$4,745
California	GEICO	$2,038	$3,180
California	Mercury Insurance	$2,782	$3,963
California	Nationwide	$4,227	$7,914
California	Progressive	$2,684	$4,149
California	State Farm	$3,078	$4,640
California	Travelers	$3,604	$5,419
California	USAA	$2,080	$2,537
Colorado	Allstate	$3,970	$4,293
Colorado	Auto-Owners	$2,725	$3,109
Colorado	Farmers	$3,615	$6,114
Colorado	GEICO	$2,249	$3,839
Colorado	Kemper	$2,486	$3,350
Colorado	Progressive	$3,045	$4,033
Colorado	State Farm	$4,435	$4,733
Colorado	USAA	$2,201	$2,740
Connecticut	Amica	$3,133	$5,434
Connecticut	Farmers	$3,498	$4,687
Connecticut	GEICO	$1,633	$1,855
Connecticut	Kemper	$1,737	$2,713
Connecticut	Nationwide	$2,675	$5,696
Connecticut	Progressive	$3,265	$4,081
Connecticut	State Farm	$3,390	$3,635
Connecticut	The Hanover	$6,479	$8,218
Connecticut	USAA	$1,631	$1,876
Washington, D.C.	Allstate	$4,591	$5,301
Washington, D.C.	Chubb	$3,300	$3,751
Washington, D.C.	GEICO	$1,991	$4,088
Washington, D.C.	Progressive	$4,835	$6,172
Washington, D.C.	State Farm	$4,774	$5,133
Washington, D.C.	USAA	$1,418	$1,755
Delaware	Allstate	$4,700	$5,235
Delaware	American Family	$3,225	$3,514
Delaware	GEICO	$1,831	$3,029
Delaware	Nationwide	$1,936	$2,858
Delaware	Progressive	$2,629	$3,483
Delaware	Sentry Insurance	$6,505	$10,135
Delaware	State Farm	$3,008	$3,283
Delaware	USAA	$1,788	$2,306
Florida	Farmers	$4,777	$8,116
Florida	GEICO	$2,865	$4,979
Florida	Mercury Insurance	$4,144	$5,361
Florida	National General	$4,961	$5,846
Florida	Nationwide	$3,335	$5,126
Florida	Progressive	$6,622	$8,577
Florida	State Farm	$2,681	$2,881
Florida	Travelers	$2,520	$3,653
Georgia	Allstate	$3,067	$3,465
Georgia	Auto-Owners	$2,266	$2,930
Georgia	Country Financial	$2,545	$3,331
Georgia	GEICO	$2,248	$3,338
Georgia	Mercury Insurance	$3,495	$5,341
Georgia	Progressive	$1,980	$2,665
Georgia	State Farm	$4,107	$4,392
Georgia	USAA	$1,728	$2,147
Hawaii	Allstate	$2,379	$3,318
Hawaii	Farmers	$1,746	$2,113
Hawaii	Island Insurance	$1,936	$10,173
Hawaii	Progressive	$1,279	$1,685
Hawaii	State Farm	$2,312	$2,532
Hawaii	USAA	$1,141	$1,194
Iowa	Allstate	$3,046	$3,346
Iowa	Auto-Owners	$1,772	$2,730
Iowa	GEICO	$1,871	$2,930
Iowa	Progressive	$2,079	$2,615
Iowa	State Farm	$2,005	$2,141
Iowa	Travelers	$1,449	$2,120
Iowa	USAA	$1,319	$1,642
Idaho	Allstate	$2,525	$2,915
Idaho	Auto-Owners	$1,558	$2,341
Idaho	Farmers	$1,636	$2,092
Idaho	GEICO	$1,308	$1,448
Idaho	Nationwide	$1,802	$2,982
Idaho	State Farm	$1,452	$1,563
Idaho	Travelers	$1,756	$2,340
Idaho	USAA	$777	$983
Illinois	Allstate	$2,869	$3,799
Illinois	Auto Club Group - ACG (AAA)	$1,834	$2,290
Illinois	Auto-Owners	$2,031	$3,263
Illinois	Erie Insurance	$2,018	$2,233
Illinois	GEICO	$1,451	$2,609
Illinois	Progressive	$2,166	$3,039
Illinois	Travelers	$1,455	$2,089
Illinois	USAA	$1,638	$2,089
Indiana	Allstate	$2,680	$3,422
Indiana	Auto-Owners	$1,889	$3,102
Indiana	Farmers	$2,190	$3,322
Indiana	GEICO	$1,175	$2,735
Indiana	Progressive	$1,648	$2,563
Indiana	Travelers	$1,475	$2,173
Indiana	USAA	$921	$1,164
Kansas	Allstate	$3,447	$3,819
Kansas	Farmers	$2,363	$2,899
Kansas	GEICO	$1,996	$2,326
Kansas	Nationwide	$2,119	$2,603
Kansas	Progressive	$2,203	$2,740
Kansas	State Farm	$2,897	$3,035
Kansas	Travelers	$1,844	$2,471
Kansas	USAA	$1,375	$1,685
Kentucky	Allstate	$4,571	$5,379
Kentucky	Auto-Owners	$2,549	$3,443
Kentucky	Farmers	$5,954	$10,787
Kentucky	GEICO	$2,259	$3,732
Kentucky	Kentucky Farm Bureau	$3,473	$8,040
Kentucky	Progressive	$3,063	$3,984
Kentucky	State Farm	$3,827	$4,065
Kentucky	Travelers	$1,813	$2,743
Kentucky	USAA	$1,619	$2,057
Louisiana	Auto Club Enterprises (AAA)	$4,853	$6,363
Louisiana	Farmers	$4,627	$7,824
Louisiana	GEICO	$3,347	$6,324
Louisiana	Progressive	$4,218	$5,479
Louisiana	Safeway Insurance	$4,679	$4,756
Louisiana	Southern Farm Bureau	$2,223	$2,466
Louisiana	State Farm	$4,761	$5,060
Louisiana	USAA	$2,696	$3,461
Massachusetts	Farmers	$2,807	$3,503
Massachusetts	GEICO	$1,817	$2,033
Massachusetts	Progressive	$2,490	$3,333
Massachusetts	Safety Insurance	$2,189	$2,725
Massachusetts	Travelers	$2,962	$4,280
Massachusetts	USAA	$1,658	$1,927
Maryland	Allstate	$4,019	$5,427
Maryland	Erie Insurance	$1,906	$2,192
Maryland	GEICO	$1,545	$1,920
Maryland	Nationwide	$1,834	$2,653
Maryland	Progressive	$2,588	$3,068
Maryland	State Farm	$2,415	$2,590
Maryland	Travelers	$1,957	$2,990
Maryland	USAA	$1,311	$1,566
Maine	Allstate	$2,056	$2,295
Maine	Auto-Owners	$1,060	$1,218
Maine	Farmers	$2,196	$3,165
Maine	Frankenmuth Insurance	$2,415	$3,058
Maine	GEICO	$1,441	$2,202
Maine	Progressive	$1,454	$1,923
Maine	State Farm	$2,357	$2,538
Maine	Travelers	$964	$1,476
Maine	USAA	$997	$1,127
Michigan	Auto Club Group - ACG (AAA)	$2,935	$5,690
Michigan	Auto-Owners	$2,877	$4,009
Michigan	GEICO	$1,827	$3,392
Michigan	Progressive	$3,165	$3,897
Michigan	State Farm	$4,477	$6,803
Michigan	Travelers	$2,182	$4,192
Michigan	USAA	$1,811	$2,484
Minnesota	Allstate	$2,883	$3,998
Minnesota	Auto Club Group - ACG (AAA)	$2,035	$3,777
Minnesota	Auto-Owners	$1,864	$2,387
Minnesota	GEICO	$3,406	$5,100
Minnesota	Nationwide	$2,515	$3,380
Minnesota	State Farm	$2,404	$2,614
Minnesota	Travelers	$1,776	$2,644
Minnesota	USAA	$1,713	$2,108
Missouri	Auto Club Enterprises (AAA)	$2,969	$4,400
Missouri	GEICO	$1,861	$2,193
Missouri	Nationwide	$3,067	$4,677
Missouri	Progressive	$3,934	$4,589
Missouri	Travelers	$1,687	$2,279
Missouri	USAA	$1,269	$1,524
Mississippi	Allstate	$2,992	$3,297
Mississippi	GEICO	$2,637	$3,422
Mississippi	Nationwide	$2,559	$3,911
Mississippi	Progressive	$2,687	$3,709
Mississippi	Shelter Insurance	$2,346	$2,858
Mississippi	Travelers	$1,885	$2,737
Mississippi	USAA	$1,405	$1,824
Montana	Allstate	$3,322	$3,705
Montana	Farmers	$2,984	$4,986
Montana	GEICO	$2,821	$3,123
Montana	Kemper	$2,692	$3,239
Montana	Progressive	$3,101	$4,017
Montana	State Farm	$1,914	$2,019
Montana	USAA	$1,276	$1,676
North Carolina	Allstate	$4,643	$7,075
North Carolina	Erie Insurance	$1,168	$1,815
North Carolina	Farmers	$2,479	$3,491
North Carolina	GEICO	$3,233	$5,073
North Carolina	Nationwide	$2,452	$3,426
North Carolina	North Carolina Farm Bureau	$2,795	$3,973
North Carolina	Progressive	$1,480	$2,070
North Carolina	State Farm	$1,714	$2,387
North Dakota	Allstate	$2,884	$3,229
North Dakota	American Family	$1,238	$1,606
North Dakota	Auto-Owners	$2,446	$2,995
North Dakota	GEICO	$1,933	$2,040
North Dakota	Nationwide	$1,250	$1,882
North Dakota	Progressive	$2,046	$2,471
North Dakota	State Farm	$2,704	$2,858
North Dakota	USAA	$1,088	$1,299
Nebraska	Allstate	$2,824	$3,090
Nebraska	Auto-Owners	$1,638	$2,564
Nebraska	GEICO	$2,859	$3,081
Nebraska	Progressive	$2,515	$3,603
Nebraska	USAA	$1,797	$2,240
New Hampshire	Allstate	$1,904	$2,192
New Hampshire	Auto-Owners	$1,377	$1,579
New Hampshire	Farmers	$2,784	$3,682
New Hampshire	GEICO	$1,206	$2,391
New Hampshire	Nationwide	$1,475	$2,460
New Hampshire	Progressive	$1,859	$2,454
New Hampshire	USAA	$1,036	$1,197
New Jersey	Allstate	$3,206	$4,561
New Jersey	Farmers	$2,712	$4,648
New Jersey	NJM	$2,134	$2,805
New Jersey	Plymouth Rock Assurance	$2,400	$3,041
New Jersey	Progressive	$3,071	$4,157
New Jersey	State Farm	$3,819	$7,797
New Jersey	Travelers	$2,579	$3,759
New Mexico	Allstate	$2,995	$3,349
New Mexico	Farmers	$2,765	$4,028
New Mexico	GEICO	$1,502	$2,773
New Mexico	Iowa Farm Bureau	$3,743	$4,118
New Mexico	Kemper	$3,449	$4,068
New Mexico	Nationwide	$2,547	$3,556
New Mexico	Progressive	$2,046	$2,690
New Mexico	State Farm	$2,640	$2,829
New Mexico	USAA	$1,254	$1,571
Nevada	Allstate	$4,102	$4,562
Nevada	American Family	$2,848	$3,644
Nevada	CSAA Insurance (AAA)	$7,558	$9,898
Nevada	Farmers	$3,712	$4,819
Nevada	GEICO	$2,769	$6,551
Nevada	Mercury Insurance	$3,036	$4,269
Nevada	Progressive	$3,739	$4,799
Nevada	State Farm	$3,875	$4,143
Nevada	Travelers	$2,222	$3,257
Nevada	USAA	$1,946	$2,284
New York	Allstate	$3,005	$3,695
New York	Erie Insurance	$2,415	$3,051
New York	GEICO	$2,218	$3,092
New York	Progressive	$1,448	$1,649
New York	State Farm	$2,930	$3,214
New York	Travelers	$4,010	$4,729
New York	USAA	$1,911	$2,133
Ohio	Allstate	$1,922	$2,382
Ohio	Auto-Owners	$1,694	$2,237
Ohio	Erie Insurance	$1,541	$1,676
Ohio	Farmers	$2,103	$3,411
Ohio	GEICO	$1,522	$3,123
Ohio	Progressive	$1,756	$2,583
Ohio	Travelers	$2,353	$3,587
Ohio	USAA	$1,062	$1,340
Oklahoma	Allstate	$3,457	$3,810
Oklahoma	Farmers	$3,020	$3,827
Oklahoma	GEICO	$2,066	$3,643
Oklahoma	Mercury Insurance	$2,871	$4,282
Oklahoma	Oklahoma Farm Bureau	$3,866	$4,530
Oklahoma	Progressive	$2,341	$3,054
Oklahoma	Shelter Insurance	$2,475	$3,015
Oklahoma	State Farm	$2,946	$3,102
Oklahoma	USAA	$1,542	$1,902
Oregon	Farmers	$2,587	$3,292
Oregon	GEICO	$1,993	$3,915
Oregon	Nationwide	$1,836	$2,946
Oregon	Progressive	$3,584	$4,731
Oregon	State Farm	$2,383	$2,552
Oregon	Travelers	$1,657	$2,482
Oregon	USAA	$1,523	$1,957
Pennsylvania	Erie Insurance	$1,848	$2,066
Pennsylvania	GEICO	$2,974	$4,564
Pennsylvania	Nationwide	$1,809	$3,268
Pennsylvania	State Farm	$2,795	$2,990
Pennsylvania	Travelers	$1,423	$1,734
Pennsylvania	USAA	$1,958	$2,193
Rhode Island	Allstate	$3,181	$3,922
Rhode Island	American Family	$2,924	$4,302
Rhode Island	Amica	$3,293	$6,883
Rhode Island	Farmers	$3,939	$5,334
Rhode Island	GEICO	$2,982	$5,006
Rhode Island	Nationwide	$2,866	$4,127
Rhode Island	Progressive	$2,369	$3,260
Rhode Island	Travelers	$2,141	$3,166
Rhode Island	USAA	$1,399	$1,594
South Carolina	Allstate	$2,806	$3,641
South Carolina	Auto-Owners	$1,715	$2,400
South Carolina	Nationwide	$2,130	$3,359
South Carolina	Progressive	$2,666	$3,585
South Carolina	State Farm	$3,133	$3,371
South Carolina	Travelers	$2,342	$3,309
South Carolina	USAA	$1,772	$2,184
South Dakota	Allstate	$2,335	$2,526
South Dakota	Auto-Owners	$2,891	$3,988
South Dakota	Farmers	$2,796	$3,616
South Dakota	GEICO	$3,318	$3,674
South Dakota	Nationwide	$2,442	$3,978
South Dakota	Progressive	$2,249	$2,588
South Dakota	State Farm	$2,814	$2,926
South Dakota	USAA	$2,041	$2,629
Tennessee	Allstate	$3,242	$3,641
Tennessee	Erie Insurance	$2,004	$2,166
Tennessee	Farmers	$2,190	$3,577
Tennessee	GEICO	$1,673	$3,066
Tennessee	Nationwide	$2,373	$3,545
Tennessee	Progressive	$2,661	$3,242
Tennessee	State Farm	$3,073	$3,341
Tennessee	Travelers	$1,657	$2,530
Tennessee	USAA	$1,271	$1,517
Texas	Auto Club Enterprises (AAA)	$2,318	$3,435
Texas	Farmers	$4,260	$6,042
Texas	GEICO	$2,746	$4,274
Texas	Progressive	$2,916	$3,946
Texas	USAA	$1,692	$1,916
Utah	Allstate	$2,879	$3,191
Utah	Auto-Owners	$1,953	$2,514
Utah	Farmers	$2,752	$3,794
Utah	GEICO	$1,397	$2,730
Utah	Nationwide	$1,188	$1,434
Utah	Progressive	$2,622	$3,381
Utah	State Farm	$4,444	$4,739
Utah	USAA	$1,354	$1,742
Virginia	Allstate	$2,490	$3,238
Virginia	Auto-Owners	$1,979	$3,208
Virginia	Erie Insurance	$1,736	$1,954
Virginia	Farmers	$5,319	$6,505
Virginia	GEICO	$1,581	$2,933
Virginia	Progressive	$2,525	$3,340
Virginia	State Farm	$2,529	$2,720
Virginia	Travelers	$1,213	$1,836
Virginia	USAA	$1,181	$1,435
Vermont	Allstate	$1,674	$1,938
Vermont	Auto-Owners	$1,501	$1,719
Vermont	GEICO	$1,582	$1,751
Vermont	Nationwide	$1,554	$2,252
Vermont	Progressive	$980	$1,295
Vermont	State Farm	$1,410	$1,493
Vermont	USAA	$1,038	$1,190
Vermont	Vermont Mutual	$1,950	$2,581
Washington	Allstate	$2,478	$2,701
Washington	American Family	$1,752	$2,166
Washington	Farmers	$2,232	$2,452
Washington	GEICO	$1,998	$3,341
Washington	Nationwide	$2,408	$4,120
Washington	Progressive	$2,587	$3,417
Washington	State Farm	$2,522	$2,738
Washington	Travelers	$2,164	$3,146
Washington	USAA	$1,058	$1,243
Wisconsin	Allstate	$2,923	$3,365
Wisconsin	Erie Insurance	$1,951	$2,154
Wisconsin	Farmers	$2,664	$4,079
Wisconsin	GEICO	$1,376	$2,697
Wisconsin	Nationwide	$1,825	$3,172
Wisconsin	Progressive	$3,563	$4,726
Wisconsin	Travelers	$1,284	$1,944
Wisconsin	USAA	$1,176	$1,376
West Virginia	Allstate	$3,819	$4,239
West Virginia	Erie Insurance	$2,092	$2,296
West Virginia	Farmers	$2,801	$4,760
West Virginia	GEICO	$1,934	$4,382
West Virginia	Progressive	$2,974	$3,782
West Virginia	State Farm	$2,801	$2,974
West Virginia	USAA	$1,451	$1,674
Wyoming	Allstate	$3,159	$3,603
Wyoming	American National	$827	$1,193
Wyoming	Farmers	$1,623	$2,288
Wyoming	GEICO	$3,211	$6,376
Wyoming	State Farm	$1,641	$1,773
Wyoming	USAA	$1,441	$1,633

Read our methodology

Do camera or automated speeding tickets affect insurance?

In most states, a photo speeding ticket won’t affect your insurance rates. They are treated as non-moving violations in all states except Arizona, California and Oregon. In those three states, a camera ticket can affect your insurance rates.

How much does insurance go up after a ticket?

Just how much tickets affect your insurance will depend on the severity of the violation and how many violations are on your driving record. A speeding ticket is generally not considered a severe violation unless you’re caught speeding way over the limit. Furthermore, if it’s your first ticket, it will generally be seen as less serious that if you have previous tickets.

The speeding ticket calculator below will help you estimate the increase in our car insurance rates after a ticket.

How much does your insurance increase after a speeding ticket?

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Your results

Your ticket will raise your annual rates by an average of:

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Your estimated premium increase

National average increase

Methodology

How much will a speeding ticket raise premiums for teen drivers?

On average, a teen’s car insurance will go up by $2,062, a year after a speeding ticket.

The average cost of car insurance for an 18-year-old with a speeding ticket is $9,208 a year, compared to $4,083 a year at age 25 and $23,489 at age 40. Rates are higher for teen drivers to begin with, so it follows that they’ll pay a lot more with a ticket.

Because young drivers are riskier, their rates are higher, and the addition of a speeding ticket increases that risk. Here’s a look at the cost of insurance with a speeding ticket at several ages for comparison.

Age	Annual premium before a speeding ticket	Annual premium after a speeding ticket	Average monthly premium
18	$7,146	$9,208	$767
25	$2,970	$4,083	$340
40	$2,513	$3,489	$291
65	$2,274	$3,232	$269

Read our methodology

How long does a speeding ticket affect your insurance?

A speeding ticket generally affects your insurance rates for three years, although the exact duration may vary depending on other violations on your record or the insurance company.

It’s important to note that the surcharge doesn’t start on the date you got the ticket, but rather on the next renewal after the ticket shows up on your record. Insurance companies don’t always check your record at every renewal, so it might not show up on the next one, but as a general rule, you can expect it to.

And, just as a violation doesn’t raise your rates until your insurer sees the offense on your motor vehicle record, the surcharge won’t stop immediately when a violation falls off your record. You will have to wait until the next policy periodThe time period during which an insurance policy is in force. An auto insurance policy period begins and ends at 12:01 AM in the local time zone. when your insurer reviews your record.

People ask

When will a speeding ticket show up on insurance?

A speeding ticket generally shows up on your insurance on the next renewal, if the insurance company checks your driving record at that time. However, if your insurer doesn’t check your record at every renewal, it might take more time to show up.

How much do two points affect insurance?

Points on your driver’s license don’t directly correlate to insurance premiums. Points are assessed by your state’s DMV to track your driving record, but insurance companies don’t use that same system when calculating rates.

Your insurance company will look at the violation on your record. If that’s a speeding ticket, your rates will be impacted based on the ticket, regardless of how many points it added to your license.

People ask

Does a speeding ticket in another country affect your insurance?

It depends; if it’s Canada or Mexico it will likely be reported and affect your insurance. In other countries, it may not.

How to lower your car insurance rates after a speeding ticket

Lowering your rates after a speeding ticket can take time, but there are actions you can take right now to reduce the impact.

For immediate impact:

Complete a driving course. Many insurance companies offer a discount if you complete an approved course.
Raise your deductible. You’ll pay less in premiums if you carry a higher deductible.
Ask about discounts. You might be able to make up at least part of the difference with discounts like paperless billing, bundling and more.
Shop around. Look for a cheaper rate with another company. “Because insurers take different approaches, it provides consumers with choices,” says Jeffrey Brewer, vice president of public affairs for the Property Casualty Insurers Association of America.

Long-term strategies:

Keep your driving record clean. Adding additional citations will make the increase worse, and the ticket will slowly fall off.
Sign up for a usage-based program. You’ll get an immediate discount with many companies just for signing up, and in the long-term you will see a bigger discount if the company records good driving habits.
Build up your credit. A good credit history translates to better insurance rates.

Methodology

We partnered with Quadrant Information Services to field average car insurance rates across all 50 states and Washington, D.C.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Additional rate data is drawn based on:

Ages ranging from 16 to 75
One speeding ticket

Learn more about our data and methodology.

FAQ: Car insurance rates after a speeding ticket

How do insurance companies find out about speeding tickets?

Insurance companies will check your driving record upon issuing you a new policy or renewing an existing one. This is why you will often not get a premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. increase after a ticket until your next renewal. If the DMV (Department of Motor Vehicles) has listed a violation on your record, insurers will see it.

Does your insurance go up after a speeding ticket without points?

It may. Insurance companies raise rates based on what’s listed on your record, not on point assessed by the DMV. Furthermore, not all states use a points system.