Speeding ticket calculator in Arizona

Arizona speeding ticket insurance calculator: Estimate your new rates

Arizona 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 Arizona?

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, Arizona drivers with a clean driving record pay $1,812, but drivers with a speeding ticket pay $2,477.

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
Travelers	$1,489	$2,183
State Farm	$2,233	$2,375
GEICO	$1,312	$2,400
Nationwide	$1,726	$2,567
Progressive	$1,903	$2,657
Auto-Owners	$1,539	$2,743
Farmers	$2,331	$3,003
Allstate	$2,215	$3,335
USAA	$1,581	$2,045

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How much does insurance increase after multiple tickets in Arizona?

A single speeding ticket can increase your auto insurance premiums, but repeated offenses can push those costs up even more. If you rack up multiple speeding tickets within a short time, insurers may label you a high-risk driver, which could force you to purchase more expensive coverage.

Each auto insurance company evaluates traffic violations differently and sets its own pricing for speeding ticket violations. Some insurers won't issue policies to drivers with several violations, which can make their average rates appear lower than they would be if they actually covered those drivers.

The table below shows the average car insurance premiums from major insurers for drivers who have two speeding tickets.

Company	Annual premium with a clean record	Average annual premium after a ticket	Average annual premium after multiple tickets
Travelers	$1,489	$2,183	$2,344
Progressive	$1,903	$2,658	$3,190
Allstate	$2,215	$3,335	$3,643
Farmers	$2,331	$3,003	$3,800
USAA	$1,581	$2,045	$2,427

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How age affects car insurance after a speeding ticket in Arizona

Younger drivers pay much higher auto insurance premiums than older motorists because they have less experience on the road. A speeding ticket signals to insurers that these drivers not only lack experience but also engage in risky behavior. Although insurance costs for inexperienced drivers are already high, a speeding violation can raise them even further.

The table below shows how a speeding ticket impacts car insurance rates across different age groups.

Age	Annual premium with a clean record	Annual premium after a speeding ticket
Teens	$6,674	$8,981
Young Adults	$2,116	$2,972
Adults	$1,812	$2,575
Seniors	$1,707	$2,524

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

Your location within Arizona 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 Arizona cities. A speeding ticket can significantly increase these amounts.

City	Annual premium with a clean record	Annual premium after a ticket
Willcox	$1,524	$2,074
Douglas	$1,547	$2,106
Benson	$1,602	$2,191
Sedona	$1,632	$2,240
Nogales	$1,720	$2,345
Tucson	$1,879	$2,572
Mesa	$1,976	$2,717
Tempe	$2,000	$2,760
Avondale	$2,099	$2,879
Phoenix	$2,251	$3,119

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Arizona speeding ticket options after you are found guilty

After being found guilty of speeding in Arizona, you have several options, including:

Pay the fine. If the court determines you are guilty, you may need to pay the fine immediately. However, many states will help you arrange a payment plan if you cannot pay all at once.
Appeal the decision. If you believe you were not speeding, you can contest the court's ruling. An appeal may lead to the case being dismissed or the fine being lowered.
Complete a defensive driving course. Many states remove points from your driving record when you finish an approved course, showing that you are taking steps to improve your driving habits.

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

Speeding violations stay on your Arizona driving record for one year. Keep in mind that a speeding ticket may be labeled as reckless driving if you were traveling at an extremely high speed or have multiple previous offenses. In those cases, it may remain on your record for a longer timeframe. It's also important to note that the length of time a ticket affects your insurance rates often differs from how long it appears on your driving record.

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

You can access your driving record through the Arizona Motor Vehicle Division. You may be able to see your driving history online or receive a copy in person or through the mail.

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

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

Begin by improving your driving habits. Since most traffic violations stop affecting your insurance premiums within three to five years, you can lower your rates by avoiding additional speeding tickets. Stay attentive on the road and follow posted speed limits to prevent future violations.
You may also consider completing a defensive driving course. Some states remove points from your license after completion of these classes, and many insurers offer discounts for finishing one.
Inquire about any additional discounts you may be eligible for and combine them to maximize your savings. Even if you don't yet qualify for a safe-driving discount, you can still cut costs through multi-policy savings, discounts for vehicle safety features, and other available offers.
Then, contact your insurance company to ask about the possibility of waiving the rate increase for your first violation. Although repeated speeding offenses will raise your premiums, some insurers may offer flexibility for a first ticket.
Finally, compare quotes from multiple auto insurance providers. Each insurer in Arizona sets its own pricing based on factors like your age, driving record, and credit history. Reviewing several options can help you secure the best rate for your needs.

"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: