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 limitPremium 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

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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.

Car insurance rates by company
CompanyAverage annual rateAverage rate after 1 speeding ticketAverage 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).

Car insurance rates by state
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.