Speeding ticket calculator in Alabama

Alabama speeding ticket insurance calculator: Estimate your new rates

Alabama drivers know that getting a traffic ticket can raise their auto insurance premiums. Still, many are surprised by how much a speeding violation can boost those costs. Along with paying fines, drivers face increased insurance rates for several years after receiving a speeding ticket.

The tool at the top of the page will help you estimate your rate increase after a ticket.

How much does your insurance go up after a speeding ticket in Alabama?

Typically, if you have a clean driving record, a first offense won't increase rates too significantly. However, multiple speeding tickets can increase rates dramatically. On average, Alabama drivers with a clean driving record pay $1,860, but drivers with a speeding ticket pay $2,569.

The table below shows average rates after one speeding ticket by company.

Company	Average annual premium for clean record	Average annual premium after a ticket
State Farm	$1,790	$1,934
Travelers	$1,428	$2,002
Nationwide	$1,345	$2,074
Allstate	$2,178	$2,414
Auto-Owners	$2,134	$2,726
GEICO	$1,625	$3,005
Progressive	$2,402	$3,065
Farmers	$2,542	$4,030
USAA	$1,458	$1,685

Read our methodology

How much does insurance increase after multiple tickets in Alabama?

While one speeding ticket increases car insurance rates, multiple tickets cause rates to skyrocket. Additionally, if an excessive number of speeding tickets occur within a short timeframe, you may be labeled a risky driver and need to acquire additional costly coverage.

Every auto insurance company handles traffic violations differently and applies its own pricing for speeding tickets. Some insurers refuse to issue a policy to drivers with multiple violations, which can make their rates appear lower than they would be if they actually provided coverage.

The table below lists the average car insurance premiums for drivers with two speeding tickets from major insurers.

Company	Annual premium with a clean record	Average annual premium after a ticket	Average annual premium after multiple tickets
Travelers	$1,428	$2,001	$2,234
Allstate	$2,178	$2,414	$2,525
Progressive	$2,402	$3,065	$3,563
Auto-Owners	$2,134	$2,726	$3,981
Farmers	$2,542	$4,029	$4,345
USAA	$1,458	$1,685	$2,156

Read our methodology

How age affects car insurance after a speeding ticket in Alabama

Younger drivers typically pay much higher car insurance rates than older drivers because they lack experience behind the wheel. A speeding ticket shows insurers that not only do they lack experience, but they're also driving recklessly. While insurance rates for inexperienced drivers are high, adding a speeding ticket significantly increases them.

This table shows how much a speeding ticket affects car insurance rates for various age groups.

Age	Annual premium with a clean record	Annual premium after a speeding ticket
Teens	$5,746	$7,960
Young Adults	$2,190	$3,110
Adults	$1,860	$2,660
Seniors	$1,711	$2,515

Read our methodology

How much does a speeding ticket raise insurance in Alabama cities?

Your location within Alabama plays a major role in shaping your auto insurance costs. For example, drivers in large metropolitan areas usually pay more due to heavier traffic and a greater risk of vehicle theft.

Because a speeding ticket increases your rates by a percentage, motorists who already face higher city premiums will experience a much larger jump after receiving a citation.

The table below shows auto insurance premiums in various Alabama cities. A speeding ticket can significantly increase these amounts.

City	Annual premium with a clean record	Annual premium after a ticket
Decatur	$1,700	$2,390
Florence	$1,699	$2,395
Groveoak	$1,752	$2,449
Anniston	$1,797	$2,524
Alpine	$1,818	$2,538
Cropwell	$1,801	$2,541
La Fayette	$1,828	$2,562
Montgomery	$1,926	$2,651
Mobile	$2,009	$2,792
Bessemer	$1,996	$2,797
Birmingham	$2,040	$2,853

Read our methodology

Alabama speeding ticket options after you are found guilty

After you are found guilty of speeding in Alabama, you can choose from several options, including:

Pay the fine. If the court rules that you are guilty, you might be required to pay the fine right away. However, many states are willing to help you set up a payment plan.
Appeal the ruling. You can challenge the court's decision if you believe you were not speeding. Doing so may result in the case being dismissed or the fine being reduced.
Take a defensive driving course. Many states will take points off your driving record if you complete one, demonstrating that you are working to improve your driving skills.

How long does a speeding ticket stay on your record in Alabama?

Speeding tickets usually stay on your Alabama driving record for life. Keep in mind that a speeding ticket may be deemed reckless driving if the speed is excessive or you've had multiple offenses. If so, it may stay on your record longer. It's also important to note that the length of time a ticket affects your insurance rates often differs from how long it stays on your record.

How do you check if you have tickets on your record in Alabama?

You can request your driving record from the Alabama Department of Revenue. Depending on the state, you may be able to view your driving history online or obtain a copy in person or by mail.

You will need to provide personal information such as your name, date of birth, driver's license number, and possibly your social security number. You may also need to pay a fee to access your driving record.

How to reduce car insurance cost after a speeding ticket in Alabama

Start by strengthening your driving habits. Because most traffic violations stop impacting your insurance premiums within three to five years, you can reduce your rates by avoiding future speeding tickets. Stay alert on the road and follow posted speed limits to prevent additional tickets.
You may also want to take a defensive driving course. Some states let you use these classes to remove points from your driver's license, and many insurance companies provide discounts for completing one.
Ask about any other discounts you might qualify for and combine them to increase your savings. Even if you don't yet meet the requirements for a safe-driving discount, you can still reduce your costs through multi-policy savings, vehicle safety feature discounts, and other available offers.
Talk with your insurance provider to see if it can waive the rate increase for your first offense. While repeated speeding violations will raise your premiums, some companies may offer leniency for a first ticket.
Finally, compare quotes from different auto insurance companies. Each insurer in Alabama sets its own rates based on factors such as your age, driving history, and credit score. Reviewing several options can help you find the best price for your situation.

"Even with a moving violation on your motor vehicle record, drivers can take advantage of other common discounts to reduce their insurance costs. This includes bundling auto and home or renters insurance with the same insurer, multi-vehicle (having more than one vehicle in the household on the same policy), paying your premium in full, paperless billing, and student and military discounts. Signing up for a usage-based telematics program could also help reduce your insurance costs if you maintain safe driving habits following the infraction," says Friedlander.

Methodology

We partnered with Quadrant Information Services to field average car insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

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