Traffic ticket calculator
Insurance.com's traffic ticket calculator shows you how much your car insurance rates are likely to go up after a ticket. The calculator includes rates for 38 common violations, including speeding, failure to stop, texting while driving, and more.
Select a traffic violation, and your state of residence. You'll see the average percentage increase to car insurance rates for that infraction, as well as the national average increase.
How much could your violation increase your rates?
Premium amount should be less than $10,000
You could be saving on car insurance right now.
Insurance.com commissioned car insurance rates from Quadrant Data Solutions in 2022 for a 40-year-old male driver with a 18 common tickets in every state, based on a Honda Accord LX. Coverage was quoted for a full coverage policy with 100/300/50 limits and $500 deductibles.
Select a traffic violation, and your state of residence. You'll see the average percentage increase to car insurance rates for that infraction, as well as the national average increase.
How to use the traffic ticket calculator
Prepare for the insurance rate hit that follows a traffic ticket using the traffic ticket calculator. In a few easy steps, you'll find out the average rate increase in your state for more than 30 common traffic violations. Here's how to use it:
- Choose a violation. Select the violation you want rates for from the dropdown menu; options include speeding, DUI, reckless driving and more.
- Select your state. Choose your state of residence to see rates in your area.
- Enter your annual car insurance rate. This step is optional, but if you do enter your current premium, the calculator will how you the anticipated increase based on what you pay. If you skip this step, you'll see national and state averages instead.
- Get your results. The calculator will show you average rates for your violation as well as the average percentage increase.
Why it's important
- A traffic violation can affect your insurance rates for three years or more, long after the fines are paid.
- It's vital to be prepared so you can shop around and budget for the increased cost.
Where we get our data: Quick methodology
Our traffic ticket calculator uses millions of data points from multiple insurance providers to calculate the average increase after a traffic violation.
- Data source: Industry-leading Quadrant Information Services fields data across all 50 states and Washington D.C. from more than 200 insurance companies.
- Violations included: Our data encompasses more than 30 common traffic violations ranging from speeding tickets to reckless driving.
- Sample profile: We base our average rates on a standardized driver profile for an accurate comparison of rate increases.
- Calculation of averages: Average rates are shown both as national and state averages, and are rounded to the nearest percent or dollar.
Note: Averages are not a guarantee of what you will pay. Rates vary by specific location, vehicle, driving history and other personal factors. Learn more about our methodologies and data collection.
How much do insurance rates go up after a ticket? Rates by state
How much your insurance rates will go up after a ticket depends on where you live and the type of ticket. In most states, a DUI will cause the greatest increase, but the amount varies. In California, for example, the average increase after a DUI is 222% or $6,676 a year. In Alaska, a DUI will cause an increase of only 43% or $949 a year.
Take a look at the average rate increase in each state for various tickets below.
| Violation | Annual premium after violation | $ Increase | % Increase |
|---|---|---|---|
| Careless driving | $2,821 | $607 | 27% |
| Distracted driving ticket | $2,788 | $573 | 26% |
| Driving without a license or permit | $2,754 | $539 | 24% |
| Driving without insurance | $2,765 | $550 | 25% |
| DUI/DWI first offense | $3,164 | $949 | 43% |
| Failure to stop | $2,754 | $539 | 24% |
| Failure to yield | $2,754 | $539 | 24% |
| Following too closely | $2,754 | $539 | 24% |
| Improper turn | $2,754 | $539 | 24% |
| Improper/illegal pass | $2,754 | $539 | 24% |
| Passing stopped school bus | $2,829 | $614 | 28% |
| Seatbelt infraction | $2,933 | $719 | 32% |
| Speeding 30+ over limit | $3,046 | $832 | 38% |
| Speeding ticket 1-10 MPH over limit | $2,719 | $504 | 23% |
| Speeding ticket 11-29 MPH over limit | $3,046 | $832 | 38% |
| Talking on cellphone ticket | $2,900 | $685 | 31% |
| Texting ticket | $2,900 | $685 | 31% |
How much do insurance rates go up after a ticket? Rates by company
Every car insurance company views tickets differently. Some may increase rates more for speeding while others may charge more for distracted driving. And location still has an impact; rates for each company vary by state.
Take a look at the table to below to find out which company has the lowest rates after a traffic violation in your state.
| Company | Annual premium for clean record | Average annual premium after violation | $ Increase | % Increase |
|---|---|---|---|---|
| State Farm | $2,523 | $2,680 | $157 | 6% |
| Progressive | $1,752 | $2,779 | $1,027 | 59% |
| GEICO | $1,818 | $2,826 | $1,008 | 55% |
| Allstate | $2,791 | $3,544 | $753 | 27% |
| USAA | $1,575 | $2,314 | $739 | 47% |
Average car insurance rate increases after a traffic violation by state
The average cost of car insurance after a violation is lower in some states than in others due to the fact that those states have much lower base rates. For example, car insurance is relatively cheap in Maine, where the average cost with a clean record is $1,701. With a speeding ticket, you'll pay an average of $2,220 a year. In Louisiana, however, the average rate with a clean record is $4,180 a year, well above the cost with a speeding ticket in Maine. So it's no surprise that car insurance with a speeding ticket in Louisiana is much higher at $5,583 a year.
Take a look at the average cost of car insurance before and after a violation in your state below.
| Violation | Average annual premium | Average annual premium after violation | $ Increase | % Increase |
|---|---|---|---|---|
| DUI | $2,215 | $3,164 | $949 | 43% |
| Hit and run - injury | $2,215 | $3,430 | $1,216 | 55% |
| Hit and run - property damage | $2,215 | $3,430 | $1,216 | 55% |
| Reckless driving | $2,215 | $3,300 | $1,085 | 49% |
| Single vehicle accident (so the drivers car only) | $2,215 | $3,311 | $1,096 | 49% |
| Speeding | $2,215 | $2,937 | $722 | 33% |
| Talking on cellphone ticket | $2,215 | $2,900 | $685 | 31% |
| Texting ticket | $2,215 | $2,900 | $685 | 31% |
