- Colorado speeding ticket insurance calculator: Estimate your new rates
- How much does your insurance go up after a speeding ticket in Colorado?
- How much does insurance increase after multiple tickets in Colorado?
- How age affects car insurance after a speeding ticket in Colorado
- How much does a speeding ticket raise insurance in Colorado cities?
- Colorado speeding ticket options after you are found guilty
- How long does a speeding ticket stay on your record in Colorado?
- How do you check if you have tickets on your record in Colorado?
- How to reduce car insurance cost after a speeding ticket in Colorado
- Methodology
- How much does insurance increase after a ticket in other state?
Colorado speeding ticket insurance calculator: Estimate your new rates
Colorado 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 Colorado?
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, Colorado drivers with a clean driving record pay $2,337, but drivers with a speeding ticket pay $3,338.
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 | $1,950 | $2,081 |
| GEICO | $1,445 | $2,467 |
| Kemper | $1,878 | $2,530 |
| Allstate | $2,774 | $3,000 |
| Auto-Owners | $2,874 | $3,278 |
| Progressive | $2,796 | $3,704 |
| Farmers | $3,578 | $6,050 |
| USAA | $1,559 | $1,941 |
How much does insurance increase after multiple tickets in Colorado?
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.
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 |
|---|---|---|---|
| Kemper | $1,878 | $2,531 | $2,730 |
| Allstate | $2,774 | $3,000 | $3,106 |
| Progressive | $2,796 | $3,704 | $4,245 |
| Auto-Owners | $2,874 | $3,278 | $4,658 |
| USAA | $1,559 | $1,942 | $2,332 |
How age affects car insurance after a speeding ticket in Colorado
Younger drivers face much higher auto insurance premiums than older drivers 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 new drivers are already high, a speeding violation can raise those rates even further.
This table lists how a speeding ticket impacts auto insurance premiums across different age groups.
| Age | Annual premium with a clean record | Annual premium after a speeding ticket |
|---|---|---|
| Teens | $5,021 | $6,737 |
| Young Adults | $2,847 | $4,048 |
| Adults | $2,337 | $3,324 |
| Seniors | $2,205 | $3,212 |
How much does a speeding ticket raise insurance in Colorado cities?
Your location within Colorado 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 Colorado cities. A speeding ticket can significantly increase these amounts.
| City | Annual premium with a clean record | Annual premium after a ticket |
|---|---|---|
| Vail | $2,067 | $2,883 |
| Englewood | $2,246 | $3,216 |
| Boulder | $2,302 | $3,280 |
| Denver | $2,337 | $3,312 |
| Colorado Springs | $2,349 | $3,358 |
| Evans | $2,366 | $3,377 |
| Lone Tree | $2,387 | $3,410 |
| Sterling | $2,426 | $3,488 |
| Aurora | $2,432 | $3,501 |
| Castle Rock | $2,496 | $3,565 |
Colorado speeding ticket options after you are found guilty
You have a few options once you've been found guilty of speeding in Colorado, including:
- Pay the fine. If the court decides you're guilty, you may need to pay the fine immediately. However, many states will work with you to arrange a payment plan.
- Appeal the ruling. You can appeal the court ruling if you believe you weren't speeding. You may be able to have either the case dropped or receive a lower fine.
- Take a defensive driving course. Many states will remove points from your license if you take one, which shows that you're becoming a better driver.
How long does a speeding ticket stay on your record in Colorado?
Speeding violations stay on your Colorado driving record for seven years. 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 Colorado?
You can request your driving record from the Colorado Division of Motor Vehicles. 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 Colorado
- 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 Colorado 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:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- One or two speeding tickets
Learn more about our data and methodology.
How much does insurance increase after a ticket in other state?
You might also be interested in- Colorado car insurance laws and requirements: What is changing in 2026
- Colorado DUI and insurance: How much does a DUI raise your insurance?
- SR-22 insurance in Colorado
- Non-owner car insurance in Colorado: Best and cheapest companies
- Colorado gap insurance: Everything you need to know
- Low-income car insurance in Colorado
- Colorado car insurance coverage calculator
- Colorado car insurance guide
- Cheapest car insurance for high-risk drivers in Colorado
- Cheapest home and auto insurance bundle in Colorado
