Speeding ticket calculator in Georgia

Georgia speeding ticket insurance calculator: Estimate your new rates

Georgia 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 Georgia?

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, Georgia drivers with a clean driving record pay $1,970, but drivers with a speeding ticket pay $2,655.

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
Auto-Owners	$1,529	$1,977
Progressive	$1,656	$2,228
Allstate	$2,014	$2,276
Country Financial	$1,880	$2,460
State Farm	$2,344	$2,507
GEICO	$2,072	$3,076
Mercury Insurance	$2,219	$3,391
USAA	$1,562	$1,941

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How much does insurance increase after multiple tickets in Georgia?

A single speeding ticket can raise your auto insurance rates, but repeated violations can drive those costs up sharply. If you accumulate too many speeding tickets in a short period, insurers may classify you as a high-risk driver, which could require you to obtain more expensive coverage.

Each car insurance company treats traffic violations differently and charges different rates for speeding tickets. Some companies will not write a policy for a driver with multiple tickets, which can result in the rates looking lower than they actually would be if the company did write the policy.

The table below shows average car insurance costs with two speeding tickets from top insurers.

Company	Annual premium with a clean record	Average annual premium after a ticket	Average annual premium after multiple tickets
Allstate	$2,014	$2,275	$2,380
Progressive	$1,656	$2,228	$2,551
Country Financial	$1,880	$2,460	$2,738
Auto-Owners	$1,529	$1,976	$2,927
GEICO	$2,072	$3,077	$3,203
Mercury Insurance	$2,219	$3,391	$3,883
USAA	$1,562	$1,941	$2,289

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How age affects car insurance after a speeding ticket in Georgia

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	$5,947	$7,435
Young Adults	$2,487	$3,410
Adults	$1,970	$2,757
Seniors	$1,872	$2,723

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

Your location in Georgia plays a significant role in determining your auto insurance premiums. For instance, drivers in major metropolitan areas often pay more due to heavier traffic and a higher risk of vehicle theft.

Since a speeding ticket raises your rates by a percentage, motorists who already pay higher city premiums will see a much larger increase after getting a ticket.

This table lists auto insurance premiums for different cities in Georgia. A speeding ticket can raise these rates substantially.

City	Annual premium with a clean record	Annual premium after a ticket
Guyton	$1,798	$2,410
Athens	$1,816	$2,420
Augusta	$1,933	$2,603
Pooler	$2,027	$2,724
Alpharetta	$2,030	$2,759
Marietta	$2,201	$3,031
Mcdonough	$2,273	$3,101
Douglasville	$2,312	$3,148
Austell	$2,414	$3,307
Atlanta	$2,470	$3,343

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Georgia speeding ticket options after you are found guilty

After being found guilty of speeding in Georgia, 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 Georgia?

Speeding violations generally remain on your Georgia driving record for two years. Remember that a speeding ticket may be classified as reckless driving if you were going excessively fast or have several prior offenses. In those situations, it may stay on your record for a longer period. It's also important to understand that the time a ticket impacts your insurance premiums often differs from how long it appears on your driving record.

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

You can access your driving record through the Georgia Department of Driver Services. 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 Georgia

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 Georgia 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: