- Louisiana speeding ticket insurance calculator: Estimate your new rates
- How much does your insurance go up after a speeding ticket in Louisiana?
- How much does insurance increase after multiple tickets in Louisiana?
- How age affects car insurance after a speeding ticket in Louisiana
- How much does a speeding ticket raise insurance in Louisiana cities?
- Louisiana speeding ticket options after you are found guilty
- How long does a speeding ticket stay on your record in Louisiana?
- How do you check if you have tickets on your record in Louisiana?
- How to reduce car insurance cost after a speeding ticket in Louisiana
- Methodology
- How much does insurance increase after a ticket in other state?
Louisiana speeding ticket insurance calculator: Estimate your new rates
Louisiana 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 Louisiana?
If you maintain a clean driving history, your first speeding ticket usually won't raise your premiums by much. But getting several speeding violations can cause your rates to climb steeply. On average, Louisiana drivers with no infractions pay $2,883, while those with a speeding ticket pay $3,850.
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 |
|---|---|---|
| Southern Farm Bureau | $2,121 | $2,352 |
| Safeway Insurance | $3,191 | $3,243 |
| State Farm | $3,570 | $3,794 |
| Progressive | $3,065 | $3,982 |
| Auto Club Enterprises (AAA) | $3,473 | $4,553 |
| Farmers | $3,002 | $5,077 |
| GEICO | $2,983 | $5,637 |
| USAA | $1,973 | $2,532 |
How much does insurance increase after multiple tickets in Louisiana?
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 |
|---|---|---|---|
| Southern Farm Bureau | $2,121 | $2,353 | $2,585 |
| Safeway Insurance | $3,191 | $3,244 | $3,381 |
| Progressive | $3,065 | $3,982 | $4,869 |
| Farmers | $3,002 | $5,076 | $5,080 |
| Auto Club Enterprises (AAA) | $3,473 | $4,553 | $6,220 |
| USAA | $1,973 | $2,533 | $2,956 |
How age affects car insurance after a speeding ticket in Louisiana
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 | $7,885 | $10,974 |
| Young Adults | $3,356 | $4,507 |
| Adults | $2,883 | $3,954 |
| Seniors | $2,712 | $3,826 |
How much does a speeding ticket raise insurance in Louisiana cities?
Your location within Louisiana 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 Louisiana cities. A speeding ticket can significantly increase these amounts.
| City | Annual premium with a clean record | Annual premium after a ticket |
|---|---|---|
| Ruston | $2,480 | $3,305 |
| Leesville | $2,521 | $3,418 |
| Atlanta | $2,597 | $3,480 |
| Sikes | $2,605 | $3,491 |
| New Orleans | $2,949 | $3,905 |
| Port Allen | $2,975 | $3,967 |
| Bogalusa | $2,980 | $3,977 |
| Scott | $3,040 | $4,031 |
| Baton Rouge | $3,166 | $4,250 |
| Alexandria | $3,256 | $4,348 |
Louisiana speeding ticket options after you are found guilty
You have a few options once you've been found guilty of speeding in Louisiana, 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 Louisiana?
Speeding violations stay on your Louisiana driving record for three 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 Louisiana?
You can obtain your driving record from the Louisiana Office of Motor Vehicles. You may be able to review your driving history online or request a copy in person or by mail.
You will need to provide personal details, including your name, date of birth, driver's license number, and possibly your Social Security number. You may also have to pay a fee to receive a copy of your driving record.
How to reduce car insurance cost after a speeding ticket in Louisiana
- 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 Louisiana 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:
- 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.
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