Speeding ticket calculator in Pennsylvania

Pennsylvania speeding ticket insurance calculator: Estimate your new rates

Pennsylvania 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 Pennsylvania?

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, Pennsylvania drivers with a clean driving record pay $1,872, but drivers with a speeding ticket pay $2,232.

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
Travelers	$952	$1,160
Erie Insurance	$1,550	$1,733
Nationwide	$1,196	$2,160
State Farm	$2,473	$2,646
GEICO	$2,308	$3,541
USAA	$1,806	$2,022

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How much does insurance increase after multiple tickets in Pennsylvania?

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 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	$952	$1,160	$1,352
Erie Insurance	$1,550	$1,733	$2,116
Allstate	$2,503	N/A*	$2,724
Progressive	$2,193	N/A*	$3,113
GEICO	$2,308	$3,542	$4,218
USAA	$1,806	$2,023	$2,655

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Note: * Rate data is not available

How age affects car insurance after a speeding ticket in Pennsylvania

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	$5,148	$6,643
Young Adults	$2,304	$3,005
Adults	$1,872	$2,483
Seniors	$1,678	$2,271

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

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

City	Annual premium with a clean record	Annual premium after a ticket
York	$1,647	$2,061
Nanticoke	$1,745	$2,154
Farrell	$1,752	$2,167
Lancaster	$1,763	$2,195
West Mifflin	$1,795	$2,253
Easton	$1,820	$2,267
Derry	$1,856	$2,292
Pittsburgh	$1,933	$2,422
Brookhaven	$2,238	$2,835
Philadelphia	$2,782	$3,421

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Pennsylvania speeding ticket options after you are found guilty

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

Speeding violations stay on your Pennsylvania driving record for at least one year. 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 Pennsylvania?

You can obtain your driving record from the Pennsylvania Department of Transportation. 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 Pennsylvania

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 Pennsylvania 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: