Speeding ticket calculator in Texas

Texas speeding ticket insurance calculator: Estimate your new rates

Texas 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 Texas?

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, Texas drivers with no infractions pay $2,043, while those with a speeding ticket pay $2,576.

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
Nationwide	$1,502	$1,832
GEICO	$1,644	$2,559
Auto Club Enterprises (AAA)	$1,983	$2,938
Progressive	$3,032	$4,103
Farmers	$4,127	$5,854
USAA	$1,812	$2,052

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How much does insurance increase after multiple tickets in Texas?

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
Nationwide	$1,502	$1,832	$2,364
Auto Club Enterprises (AAA)	$1,983	$2,938	$3,484
Progressive	$3,032	$4,104	$4,836
Farmers	$4,127	$5,854	$6,737
USAA	$1,812	$2,053	$2,293

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How age affects car insurance after a speeding ticket in Texas

Younger drivers pay much higher auto insurance premiums than older motorists 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 inexperienced drivers are already high, a speeding violation can raise them even further.

The table below shows how a speeding ticket impacts car insurance rates across different age groups.

Age	Annual premium with a clean record	Annual premium after a speeding ticket
Teens	$4,242	$5,278
Young Adults	$2,352	$3,240
Adults	$2,043	$2,918
Seniors	$1,799	$2,710

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

Your location within Texas plays a major role in shaping your auto insurance costs. For example, drivers in large metropolitan areas usually pay more due to heavier traffic and a greater risk of vehicle theft.

Because a speeding ticket increases your rates by a percentage, motorists who already face higher city premiums will experience a much larger jump after receiving a citation.

The table below shows auto insurance premiums in various Texas cities. A speeding ticket can significantly increase these amounts.

City	Annual premium with a clean record	Annual premium after a ticket
Bowie	$1,831	$2,503
Frisco	$1,909	$2,637
Crystal City	$1,950	$2,643
Bishop	$1,925	$2,644
Austin	$1,930	$2,663
Zavalla	$1,949	$2,691
Higgins	$2,004	$2,695
Plano	$1,994	$2,758
Fort Worth	$2,030	$2,794
Kermit	$2,093	$2,842
Cypress	$2,062	$2,864
Irving	$2,153	$2,962
Beaumont	$2,149	$2,985
San Antonio	$2,181	$3,014
Dallas	$2,278	$3,138
Houston	$2,317	$3,211

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Texas speeding ticket options after you are found guilty

After being found guilty of speeding in Texas, 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 Texas?

Speeding tickets usually stay on your Texas driving record for two 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 Texas?

You can request your driving record from the Texas Department 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 Texas

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 Texas 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: