- Washington speeding ticket insurance calculator: Estimate your new rates
- How much does your insurance go up after a speeding ticket in Washington?
- How much does insurance increase after multiple tickets in Washington?
- How age affects car insurance after a speeding ticket in Washington
- How much does a speeding ticket raise insurance in Washington cities?
- Washington speeding ticket options after you are found guilty
- How long does a speeding ticket stay on your record in Washington?
- How do you check if you have tickets on your record in Washington?
- How to reduce car insurance cost after a speeding ticket in Washington
- Methodology
- How much does insurance increase after a ticket in other state?
Washington speeding ticket insurance calculator: Estimate your new rates
Washington 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 Washington?
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, Washington drivers with no infractions pay $1,608, while those with a speeding ticket pay $2,296.
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 |
|---|---|---|
| Farmers | $1,714 | $1,883 |
| Allstate | $1,766 | $1,925 |
| State Farm | $1,794 | $1,948 |
| GEICO | $1,171 | $1,958 |
| American Family | $1,750 | $2,164 |
| Travelers | $1,503 | $2,185 |
| Nationwide | $1,658 | $2,836 |
| Progressive | $2,554 | $3,374 |
| USAA | $853 | $1,002 |
How much does insurance increase after multiple tickets in Washington?
While one speeding ticket increases car insurance rates, multiple tickets cause rates to skyrocket. Additionally, if an excessive number of speeding tickets occur within a short timeframe, you may be labeled a risky driver and need to acquire additional costly 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 |
|---|---|---|---|
| Allstate | $1,766 | $1,925 | $2,035 |
| GEICO | $1,171 | $1,958 | $2,155 |
| American Family | $1,750 | $2,164 | $2,324 |
| Travelers | $1,503 | $2,185 | $2,336 |
| Farmers | $1,714 | $1,882 | $2,456 |
| Nationwide | $1,658 | $2,836 | $2,943 |
| Progressive | $2,554 | $3,375 | $3,905 |
| USAA | $853 | $1,002 | $1,175 |
How age affects car insurance after a speeding ticket in Washington
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 | $4,818 | $6,641 |
| Young Adults | $1,848 | $2,663 |
| Adults | $1,608 | $2,304 |
| Seniors | $1,567 | $2,295 |
How much does a speeding ticket raise insurance in Washington cities?
Your location within Washington 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 Washington cities. A speeding ticket can significantly increase these amounts.
| City | Annual premium with a clean record | Annual premium after a ticket |
|---|---|---|
| Moxee | $1,486 | $2,100 |
| Cheney | $1,483 | $2,110 |
| Aberdeen | $1,483 | $2,118 |
| Yakima | $1,510 | $2,130 |
| Kelso | $1,518 | $2,166 |
| Nine Mile Falls | $1,563 | $2,218 |
| Camas | $1,642 | $2,342 |
| Edmonds | $1,838 | $2,638 |
| Shoreline | $1,859 | $2,688 |
| Seattle | $1,910 | $2,757 |
Washington speeding ticket options after you are found guilty
After you are found guilty of speeding in Washington, you can choose from several options, including:
- Pay the fine. If the court rules that you are guilty, you might be required to pay the fine right away. However, many states are willing to help you set up a payment plan.
- Appeal the ruling. You can challenge the court's decision if you believe you were not speeding. Doing so may result in the case being dismissed or the fine being reduced.
- Take a defensive driving course. Many states will take points off your driving record if you complete one, demonstrating that you are working to improve your driving skills.
How long does a speeding ticket stay on your record in Washington?
Speeding violations generally remain on your Washington driving record for five 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 Washington?
You can access your driving record through the Washington State Department of Licensing. 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 Washington
- 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 Washington 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:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- One or two speeding tickets
Learn more about our data and methodology.
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