- How much does insurance increase after a speeding ticket?
- Average car insurance rates by company after a speeding ticket
- Average car insurance rates by state after a speeding ticket
- How long do speeding tickets affect your insurance?
- How much does a speeding ticket affect insurance rates by age?
- How much does a speeding ticket affect car insurance rates by gender?
- How to save on car insurance after a speeding ticket
- Methodology
- Frequently asked questions: How speeding tickets affect car insurance rates
How much does insurance increase after a speeding ticket?
Insurance rates increase by an average of 36% after a speeding ticket, but the rate increase depends on how much over the speed limit you were going, where you live, your insurance company and whether you have any previous moving violations on your driving history.
A higher risk of a crash, and of a more serious crash, means greater odds that the insurance company will have to pay a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing.. To cover that risk, they increase your insurance rates.
To find out how a speeding ticket or other violation will affect your rates, use the simple tool below.
| Speed limit | Premium after a speeding ticket |
|---|---|
| Speeding ticket 1-10 MPH over limit | $2,458 |
| Speeding ticket 11-29 MPH over limit | $2,617 |
| Speeding 30+ over limit | $2,816 |
How much does your insurance increase after a speeding ticket?
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Average car insurance rates by company after a speeding ticket
State Farm has the lowest rates after a single speeding ticket with an increase of 17%. USAA is cheaper if you qualify.
How much does insurance go up after a speeding ticket? It depends on your insurance company. Shopping around is always important, but the rate table below shows just how important it is after a speeding ticket. Rates are based on a full coverage policy with 100/300/100 limits and $500 deductibles for either one or two speeding tickets.
| Company | Average annual rate | Average rate after 1 speeding ticket | Average rate after two speeding tickets | % increase after one speeding ticket | % increase after 2 speeding tickets |
|---|---|---|---|---|---|
| GEICO | $1,763 | $2,831 | $3,165 | 61% | 80% |
| State Farm | $1,984 | $2,321 | $2,695 | 17% | 36% |
| Allstate | $2,509 | $2,965 | $3,465 | 18% | 38% |
| USAA | $1,381 | $1,680 | $2,112 | 22% | 53% |
| Progressive | $1,998 | $2,650 | $3,053 | 33% | 53% |
| Farmers | $2,387 | $3,380 | $3,717 | 42% | 56% |
| Nationwide | $1,548 | $2,347 | $2,667 | 52% | 72% |
| Travelers | $1,606 | $2,416 | $2,763 | 50% | 72% |
Average car insurance rates by state after a speeding ticket
The biggest increase is in Hawaii, where a single speeding ticket raises auto insurance rates by an average of 85%. At 19%, the average increase in Pennsylvania is the smallest nationwide.
Rates vary from state to state. Below you’ll see how much the average rate is in each state for a driver with a speeding ticket and a full coverage policy (100/300/100 with $500 deductibles).
| State | Average annual rate | Average rate after one speeding ticket | Average rate after two speeding tickets | % increase after one speeding ticket | % increase after two speeding tickets |
|---|---|---|---|---|---|
| Alaska | $1,676 | $2,123 | $2,210 | 27% | 32% |
| Alabama | $1,860 | $2,569 | $2,853 | 38% | 53% |
| Arkansas | $1,957 | $2,844 | $3,147 | 45% | 61% |
| Arizona | $1,812 | $2,477 | $2,831 | 37% | 56% |
| California | $2,416 | $3,575 | $5,143 | 48% | 113% |
| Colorado | $2,337 | $3,338 | $3,280 | 43% | 40% |
| Connecticut | $1,725 | $2,226 | $3,221 | 29% | 87% |
| Washington, D.C. | $2,157 | $2,670 | $2,781 | 24% | 29% |
| Delaware | $2,063 | $2,846 | $3,039 | 38% | 47% |
| Florida | $2,694 | $3,553 | $3,763 | 32% | 40% |
| Georgia | $1,970 | $2,655 | $3,009 | 35% | 53% |
| Hawaii | $1,517 | $2,809 | $1,993 | 85% | 31% |
| Iowa | $1,630 | $2,164 | $2,471 | 33% | 52% |
| Idaho | $1,428 | $1,816 | $1,956 | 27% | 37% |
| Illinois | $1,532 | $2,067 | $2,384 | 35% | 56% |
| Indiana | $1,515 | $2,207 | $2,392 | 46% | 58% |
| Kansas | $1,900 | $2,307 | $2,779 | 21% | 46% |
| Kentucky | $2,228 | $3,190 | $3,418 | 43% | 53% |
| Louisiana | $2,883 | $3,850 | $4,267 | 34% | 48% |
| Massachusetts | $1,726 | $2,112 | $2,493 | 22% | 44% |
| Maryland | $1,746 | $2,404 | $2,625 | 38% | 50% |
| Maine | $1,175 | $1,523 | $1,710 | 30% | 46% |
| Michigan | $2,352 | $3,469 | $4,425 | 47% | 88% |
| Minnesota | $1,911 | $2,578 | $3,217 | 35% | 68% |
| Missouri | $1,982 | $2,461 | $2,695 | 24% | 36% |
| Mississippi | $2,008 | $2,645 | $2,881 | 32% | 43% |
| Montana | $2,193 | $2,953 | $2,814 | 35% | 28% |
| North Carolina | $1,741 | $2,561 | $3,151 | 47% | 81% |
| North Dakota | $1,665 | $2,016 | $2,421 | 21% | 45% |
| Nebraska | $1,902 | $2,649 | $2,892 | 39% | 52% |
| New Hampshire | $1,265 | $1,638 | $1,804 | 29% | 43% |
| New Jersey | $1,902 | $2,799 | $2,952 | 47% | 55% |
| New Mexico | $2,049 | $2,640 | $2,903 | 29% | 42% |
| Nevada | $2,060 | $2,708 | $3,066 | 31% | 49% |
| New York | $1,870 | $2,269 | $2,436 | 21% | 30% |
| Ohio | $1,417 | $2,093 | $2,226 | 48% | 57% |
| Oklahoma | $2,138 | $2,715 | $2,995 | 27% | 40% |
| Oregon | $1,678 | $2,244 | $2,469 | 34% | 47% |
| Pennsylvania | $1,872 | $2,232 | $2,844 | 19% | 52% |
| Rhode Island | $2,061 | $2,901 | $3,198 | 41% | 55% |
| South Carolina | $2,009 | $2,553 | $2,961 | 27% | 47% |
| South Dakota | $2,280 | $2,776 | $3,131 | 22% | 37% |
| Tennessee | $1,677 | $2,310 | $2,605 | 38% | 55% |
| Texas | $2,043 | $2,576 | $2,857 | 26% | 40% |
| Utah | $1,825 | $2,322 | $2,719 | 27% | 49% |
| Virginia | $1,469 | $1,984 | $2,264 | 35% | 54% |
| Vermont | $1,319 | $1,710 | $2,000 | 30% | 52% |
| Washington | $1,608 | $2,296 | $2,327 | 43% | 45% |
| Wisconsin | $1,664 | $2,290 | $2,519 | 38% | 51% |
| West Virginia | $2,005 | $2,710 | $2,998 | 35% | 50% |
| Wyoming | $1,758 | $2,462 | $2,565 | 40% | 46% |
People ask
How much does insurance go up after a speeding ticket for a teenager?
The increase depends on the teenager's age and other factors, including how much over the limit they were driving. However, for an 18-year-old, rates go up by an average of 29%.
How long do speeding tickets affect your insurance?
As a general rule, you can expect a speeding ticket to affect your insurance rates for three years. It’s important to note that this doesn’t start the day you got the ticket. Rather, the increase will hit your rates when your policy renews, and the insurance company can add the surchargeAn increase in your auto insurance premium due to an at-fault accident or a moving violation. Learn more about how a surcharge affects your auto insurance premiums. for three years from that date.
You might be able to avoid an increase in rates after a speeding ticket, but if not, your rates will go back to normal after three years.
How much does a speeding ticket affect insurance rates by age?
Your age affects your car insurance rates, and for people who already face higher rates due to their ages.
Take a look at how a speeding ticket affects car insurance rates by age and company in each state below, bearing in mind that a few states don’t allow the use of age for car insurance rates.
Farmers $5,540 $462 GEICO $3,848 $321 Mercury Insurance $4,343 $362 National General $3,656 $305 Nationwide $3,304 $275 Progressive $3,758 $313 State Farm $2,277 $190 Travelers $3,416 $285
How much does a speeding ticket affect car insurance rates by gender?
As a general rule, men pay more for car insurance than women, but it varies based on a number of factors including age, location and vehicle. How much a speeding ticket affects your rate based on your gender may have more to do with these factors.
Look at the table below to see how gender affects car insurance rates by company and state, bearing in mind that a few states don’t allow the use of gender for car insurance rates.
Farmers $5,549 $462 GEICO $3,903 $325 Mercury Insurance $4,274 $356 National General $3,619 $302 Nationwide $3,274 $273 Progressive $3,687 $307 State Farm $2,277 $190 Travelers $3,460 $288
How to save on car insurance after a speeding ticket
After you get a ticket, there are a few ways to reduce the cost of auto insurance:
- Shop around. Every insurance company rates tickets differently.
- Raise your deductible. A higher deductible means lower rates.
- Take a defensive driving course. You may earn a discount.
- Bundle your home and auto insurance. You'll get a discount on both policies.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services for a driver with a clean record, one and two speeding tickets and a full coverage car insurance policy with 100/300/100 liability limits and $500 deductibles. The sample rates were fielded for a 40-year-old driver with a 2023 Honda Accord LX.
Frequently asked questions: How speeding tickets affect car insurance rates
How much does a 1-10 MPH over the limit speeding ticket affect insurance?
How much your rates will increase after a speeding ticket depends on a lot of factors. However, for a 40-year-old driver with an otherwise clean driving record, the average increase is 39%.
Can you contest a speeding ticket?
Yes, you can contest a speeding ticket in court. Your county website will provide instructions.
Can you keep a speeding ticket off your record?
In some states, you can go to traffic school to prevent the ticket from impacting your driving record. However, in some states, the ticket will stay on your record; traffic school will simply remove points. Successfully contesting a ticket will keep it off your record.
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