Speeding ticket calculator in Massachusetts

Massachusetts speeding ticket insurance calculator: Estimate your new rates

Massachusetts 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 Massachusetts?

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, Massachusetts motorists with no violations pay $1,726, while those with a speeding ticket pay $2,112.

See rates by company for a speeding ticket below.

Company	Average annual premium for clean record	Average annual premium after a ticket
State Farm	$689	$785
GEICO	$1,269	$1,419
Safety Insurance	$1,517	$1,889
Farmers	$1,966	$2,454
Progressive	$2,016	$2,699
Travelers	$2,274	$3,285
USAA	$1,442	$1,676

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How much does insurance increase after multiple tickets in Massachusetts?

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 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
State Farm	$689	$784	$953
GEICO	$1,269	$1,419	$1,765
Arbella Insurance	$1,708	N/A*	$1,843
Safety Insurance	$1,517	$1,889	$2,330
Farmers	$1,966	$2,454	$3,000
Progressive	$2,016	$2,699	$3,083
Travelers	$2,274	$3,285	$3,529
Allstate	$2,694	N/A*	$4,018
USAA	$1,442	$1,675	$2,019

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Note: * Rate data is not available

How age affects car insurance after a speeding ticket in Massachusetts

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	$5,080	$5,877
Young Adults	$1,968	$2,631
Adults	$1,726	$2,325
Seniors	$1,430	$1,944

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

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

City	Annual premium with a clean record	Annual premium after a ticket
Newburyport	$1,470	$1,901
Andover	$1,587	$2,060
Leominster	$1,644	$2,130
Beverly	$1,696	$2,206
Fitchburg	$1,781	$2,314
Lowell	$1,971	$2,567
Boston	$2,103	$2,742
Worcester	$2,198	$2,876
Springfield	$2,400	$3,136
Chelsea	$2,693	$3,525

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Massachusetts speeding ticket options after you are found guilty

After you are found guilty of speeding in Massachusetts, 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 Massachusetts?

Speeding violations stay on your Massachusetts driving record for six 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 Massachusetts?

You can access your driving record through the Massachusetts Registry of Motor Vehicles. 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 Massachusetts

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 Massachusetts 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: