Speeding ticket calculator in Tennessee

Tennessee speeding ticket insurance calculator: Estimate your new rates

Tennessee 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 Tennessee?

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, Tennessee drivers with no infractions pay $1,677, while those with a speeding ticket pay $2,310.

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
Erie Insurance	$1,598	$1,729
State Farm	$1,677	$1,823
Progressive	$1,550	$1,889
Travelers	$1,395	$2,131
Nationwide	$1,632	$2,438
GEICO	$1,565	$2,869
Farmers	$1,770	$2,891
Allstate	$3,032	$3,405
USAA	$1,194	$1,425

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How much does insurance increase after multiple tickets in Tennessee?

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 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
Erie Insurance	$1,598	$1,728	$2,123
Progressive	$1,550	$1,888	$2,179
Travelers	$1,395	$2,129	$2,364
Nationwide	$1,632	$2,438	$2,533
Farmers	$1,770	$2,892	$3,146
Allstate	$3,032	$3,405	$3,580
USAA	$1,194	$1,425	$1,735

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How age affects car insurance after a speeding ticket in Tennessee

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	$5,468	$7,364
Young Adults	$2,014	$2,846
Adults	$1,677	$2,396
Seniors	$1,548	$2,277

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

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

City	Annual premium with a clean record	Annual premium after a ticket
Sevierville	$1,598	$2,184
Knoxville	$1,580	$2,191
Watertown	$1,592	$2,192
Dayton	$1,591	$2,228
Kingston	$1,631	$2,264
Ashland City	$1,694	$2,332
Paris	$1,730	$2,357
Nashville	$1,708	$2,371
Hermitage	$1,751	$2,425
Germantown	$1,908	$2,643
Memphis	$2,161	$2,978

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Tennessee speeding ticket options after you are found guilty

After being found guilty of speeding in Tennessee, you have several options, including:

Pay the fine. If the court determines you are guilty, you may need to pay the fine immediately. However, many states will help you arrange a payment plan if you cannot pay all at once.
Appeal the decision. If you believe you were not speeding, you can contest the court's ruling. An appeal may lead to the case being dismissed or the fine being lowered.
Complete a defensive driving course. Many states remove points from your driving record when you finish an approved course, showing that you are taking steps to improve your driving habits.

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

Speeding violations generally remain on your Tennessee driving record for two years. Remember that a speeding ticket may be classified as reckless driving if you were going excessively fast or have several prior offenses. In those situations, it may stay on your record for a longer period. It's also important to understand that the time a ticket impacts your insurance premiums often differs from how long it appears on your driving record.

How do you check if you have tickets on your record in Tennessee?

You can request your driving record from the Tennessee Department of Public Safety. 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 Tennessee

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 Tennessee 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: