Speeding ticket calculator in Minnesota

Minnesota speeding ticket insurance calculator: Estimate your new rates

Minnesota drivers understand that traffic tickets cause auto insurance rates to increase. However, it might surprise you how much a speeding ticket increases rates. In addition to fines, drivers pay higher insurance rates for years after a speeding ticket.

Estimate how much you will pay for insurance after a speeding ticket with the calculator at the top of the page.

How much does your insurance go up after a speeding ticket in Minnesota?

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, Minnesota motorists with no violations pay $1,911, while those with a speeding ticket pay $2,578.

See rates by company for a speeding ticket below.

Company	Average annual premium for clean record	Average annual premium after a ticket
State Farm	$1,525	$1,658
Nationwide	$1,363	$1,831
Auto-Owners	$1,693	$2,169
Travelers	$1,618	$2,409
Auto Club Group - ACG (AAA)	$1,636	$3,037
Allstate	$2,388	$3,311
GEICO	$2,495	$3,735
USAA	$1,382	$1,701

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How much does insurance increase after multiple tickets in Minnesota?

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
Travelers	$1,618	$2,409	$2,493
Auto-Owners	$1,693	$2,168	$3,179
Allstate	$2,388	$3,311	$3,771
GEICO	$2,495	$3,735	$4,440
Auto Club Group - ACG (AAA)	$1,636	$3,038	$5,118
USAA	$1,382	$1,701	$2,003

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How age affects car insurance after a speeding ticket in Minnesota

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	$4,960	$6,657
Young Adults	$2,277	$3,265
Adults	$1,911	$2,758
Seniors	$1,728	$2,585

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

Where you live in Minnesota 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 Minnesota. A speeding ticket can significantly increase these rates.

City	Annual premium with a clean record	Annual premium after a ticket
Lanesboro	$1,817	$2,418
Dumont	$1,849	$2,472
Frazee	$1,881	$2,517
Foley	$1,949	$2,603
Apple Valley	$1,917	$2,608
Champlin	$1,929	$2,618
Carlton	$1,988	$2,671
Bovey	$2,017	$2,688
St. Paul	$2,164	$2,951
Minneapolis	$2,188	$2,983

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Minnesota speeding ticket options after you are found guilty

You have a few options once you've been found guilty of speeding in Minnesota, 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 Minnesota?

Speeding tickets usually stay on your Minnesota driving record for five 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 Minnesota?

You can access your driving record through the Minnesota Driver and Vehicles 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 Minnesota

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 Minnesota 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: