Speeding ticket calculator in Maine

Maine speeding ticket insurance calculator: Estimate your new rates

Maine 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 Maine?

If you keep a clean driving record, your first speeding citation typically won't increase your premiums by much. However, multiple speeding offenses can cause your rates to rise sharply. On average, Maine motorists with no violations pay $1,175, while those with a speeding ticket pay $1,523.

See rates by company for a speeding ticket below.

Company	Average annual premium for clean record	Average annual premium after a ticket
Auto-Owners	$707	$812
Allstate	$1,147	$1,281
Travelers	$853	$1,305
State Farm	$1,262	$1,359
Progressive	$1,106	$1,462
GEICO	$1,228	$1,877
Frankenmuth Insurance	$1,492	$1,889
Farmers	$1,664	$2,399
USAA	$827	$934

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How much does insurance increase after multiple tickets in Maine?

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
Auto-Owners	$707	$812	$1,049
Allstate	$1,147	$1,280	$1,355
Travelers	$853	$1,306	$1,416
Progressive	$1,106	$1,462	$1,657
Frankenmuth Insurance	$1,492	$1,889	$2,450
Farmers	$1,664	$2,399	$2,628
USAA	$827	$935	$1,216

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How age affects car insurance after a speeding ticket in Maine

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	$3,893	$4,934
Young Adults	$1,448	$1,905
Adults	$1,175	$1,578
Seniors	$1,107	$1,494

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

Your location in Maine 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 Maine. A speeding ticket can raise these rates substantially.

City	Annual premium with a clean record	Annual premium after a ticket
Caribou	$1,092	$1,415
Cliff Island	$1,095	$1,427
Gorham	$1,099	$1,434
Bowdoinham	$1,122	$1,467
Bangor	$1,128	$1,476
Augusta	$1,155	$1,507
Farmingdale	$1,157	$1,511
Auburn	$1,163	$1,519
Holden	$1,172	$1,525
Lewiston	$1,185	$1,549

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Maine speeding ticket options after you are found guilty

After being found guilty of speeding in Maine, 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 Maine?

Speeding tickets usually stay on your Maine driving record for one year. 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 Maine?

You can obtain your driving record from the Maine Bureau 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 Maine

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 Maine 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: