Speeding ticket calculator in North Carolina

North Carolina speeding ticket insurance calculator: Estimate your new rates

North Carolina 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 North Carolina?

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, North Carolina drivers with no infractions pay $1,741, while those with a speeding ticket pay $2,561.

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
State Farm	$1,180	$1,644
Erie Insurance	$1,082	$1,682
North Carolina Farm Bureau	$1,217	$1,730
Nationwide	$1,513	$2,113
GEICO	$1,617	$2,538
Progressive	$2,028	$2,837
Farmers	$2,028	$2,856
Allstate	$2,994	$4,562

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How much does insurance increase after multiple tickets in North Carolina?

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.

Every auto insurance company handles traffic violations differently and applies its own pricing for speeding tickets. Some insurers refuse to issue a policy to drivers with multiple violations, which can make their rates appear lower than they would be if they actually provided coverage.

The table below lists the average car insurance premiums for drivers with two speeding tickets from major insurers.

Company	Annual premium with a clean record	Average annual premium after a ticket	Average annual premium after multiple tickets
State Farm	$1,180	$1,643	$1,937
Erie Insurance	$1,082	$1,682	$2,074
North Carolina Farm Bureau	$1,217	$1,730	$2,140
Nationwide	$1,513	$2,114	$2,547
GEICO	$1,617	$2,538	$3,053
Progressive	$2,028	$2,836	$3,483
Farmers	$2,028	$2,856	$3,518
Allstate	$2,994	$4,562	$5,644

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How age affects car insurance after a speeding ticket in North Carolina

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	$3,777	$4,841
Young Adults	$1,882	$2,931
Adults	$1,741	$2,709
Seniors	$1,679	$2,609

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How much does a speeding ticket raise insurance in North Carolina cities?

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

City	Annual premium with a clean record	Annual premium after a ticket
Holly Springs	$1,534	$2,250
Apex	$1,549	$2,269
Kill Devil Hills	$1,636	$2,406
Browns Summit	$1,663	$2,419
Stanley	$1,698	$2,486
Cornelius	$1,693	$2,489
Raleigh	$1,703	$2,502
Durham	$1,741	$2,548
Charlotte	$1,824	$2,692
Fayetteville	$1,901	$2,818
Garysburg	$1,946	$2,847
Bessemer City	$1,979	$2,908

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North Carolina speeding ticket options after you are found guilty

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

Speeding tickets usually stay on your North Carolina 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 North Carolina?

You can request your driving record from the North Carolina Divison of Motor Vehicles. Depending on the state, you may be able to view your driving history online or obtain a copy in person or by mail.

You will need to provide personal information such as your name, date of birth, driver's license number, and possibly your social security number. You may also need to pay a fee to access your driving record.

How to reduce car insurance cost after a speeding ticket in North Carolina

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 North Carolina 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: