Speeding ticket calculator in Maryland

Maryland speeding ticket insurance calculator: Estimate your new rates

Maryland drivers know that traffic violations lead to higher auto insurance premiums. Still, the actual increase from a speeding ticket may be more significant than you expect. Beyond paying fines, drivers often face elevated insurance costs for several years after a speeding violation.

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 Maryland?

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, Maryland drivers with a clean driving record pay $1,746, but drivers with a speeding ticket pay $2,404.

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
GEICO	$1,262	$1,568
Erie Insurance	$1,685	$1,937
Nationwide	$1,363	$1,971
Progressive	$1,895	$2,246
Travelers	$1,523	$2,327
State Farm	$2,177	$2,335
Kemper	$1,603	$2,591
Allstate	$3,108	$4,197
USAA	$1,043	$1,245

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How much does insurance increase after multiple tickets in Maryland?

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
GEICO	$1,262	$1,567	$2,007
Nationwide	$1,363	$1,971	$2,359
Erie Insurance	$1,685	$1,938	$2,379
Travelers	$1,523	$2,327	$2,492
Progressive	$1,895	$2,246	$2,559
Kemper	$1,603	$2,591	$2,868
Allstate	$3,108	$4,197	$4,804
USAA	$1,043	$1,246	$1,673

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How age affects car insurance after a speeding ticket in Maryland

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	$4,909	$6,394
Young Adults	$2,076	$2,894
Adults	$1,746	$2,459
Seniors	$1,762	$2,519

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

Where you live in Maryland affects your car insurance rates. For example, drivers in large cities pay higher rates due to increased traffic and vehicle theft.

A speeding ticket increases car insurance rates by a percentage, so drivers paying higher rates in cities see their insurance rates increase significantly.

This table shows car insurance rates for various cities in Maryland. A speeding ticket can significantly increase these rates.

City	Annual premium with a clean record	Annual premium after a ticket
Boonsboro	$1,470	$2,009
Luke	$1,488	$2,039
Henderson	$1,507	$2,070
Brunswick	$1,529	$2,085
Aberdeen	$1,750	$2,397
Maryland City	$1,772	$2,447
Laurel	$1,928	$2,651
Beltsville	$2,072	$2,852
Bladensburg	$2,253	$3,079
Baltimore	$2,345	$3,232

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Maryland speeding ticket options after you are found guilty

After you are found guilty of speeding in Maryland, you can choose from several options, including:

Pay the fine. If the court rules that you are guilty, you might be required to pay the fine right away. However, many states are willing to help you set up a payment plan.
Appeal the ruling. You can challenge the court's decision if you believe you were not speeding. Doing so may result in the case being dismissed or the fine being reduced.
Take a defensive driving course. Many states will take points off your driving record if you complete one, demonstrating that you are working to improve your driving skills.

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

Speeding tickets usually stay on your Maryland driving record for three years . 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 Maryland?

You can obtain your driving record from the Maryland Motor Vehicle Administration. 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 Maryland

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 Maryland 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: