Speeding ticket calculator in Rhode Island

Speeding ticket calculator: Estimate your car insurance rates

Rhode Island 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.

How much does your insurance go up after a speeding ticket?

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, Rhode Island drivers with a clean driving record pay $2,061, but drivers with a speeding ticket pay $2,901.

Company	Average annual premium for clean record	Average annual premium after a ticket
Progressive	$1,841	$2,534
American Family	$1,833	$2,696
Nationwide	$1,911	$2,752
Travelers	$1,946	$2,878
Allstate	$2,993	$3,691
Geico	$2,292	$3,848
Farmers	$3,336	$4,518
Amica	$2,206	$4,611
USAA	$1,147	$1,306

Data updated in 2024

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How much does insurance increase after multiple tickets in Rhode Island?

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 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
Progressive	$1,841	$2,533	$2,946
American Family	$1,833	$2,697	$3,316
Allstate	$2,993	$3,691	$3,923
Amica	$2,206	$4,612	$4,697
Geico	$2,292	$3,848	$5,058
USAA	$1,147	$1,307	$1,859

Data updated in 2024

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How much do insurance rates go up after a speeding ticket by age group?

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	$6,776	$8,708
Young Adults	$2,451	$3,637
Adults	$2,061	$3,090
Seniors	$2,086	$3,169

Data updated in 2024

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How are car insurance rates affected by a ticket in your city?

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

City	Annual premium with a clean record	Annual premium after a ticket
Newport	$1,655	$2,431
Bristol	$1,825	$2,674
Shannock	$1,840	$2,695
Woonsocket	$2,077	$3,048
Warwick	$2,121	$3,134
Hope	$2,152	$3,153
East Providence	$2,262	$3,290
Pawtucket	$2,452	$3,584
Providence	$2,495	$3,597
Central Falls	$2,538	$3,747

Data updated in 2024

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Rhode Island speeding ticket options after you are found guilty

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

Speeding tickets usually stay on your Rhode Island 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 Rhode Island?

You can access your driving record through the Rhode Island Division of Motor Vehicles. 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 Rhode Island

First, improve your driving skills. Since most traffic tickets stop affecting car insurance in three to five years, you can get lower rates by avoiding speeding tickets. Pay attention while behind the wheel and drive the speed limit to prevent additional tickets.

Additionally, consider taking a defensive driving course. Some states allow driving courses to be used to remove points from your driver's license, and many insurers offer discounts for the class.

Next, ask for any additional discounts you may be eligible for and bundle them for maximum savings. While you may not initially qualify for a safe driving discount, you can save money with multi-policy, vehicle safety features and other discounts.

"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.

Then, speak with your insurer to see if it will waive the rate increase if it's your first violation. Although multiple speeding tickets will increase car insurance rates, some companies may be willing to offer grace on your first ticket.

Finally, shop around for car insurance. Each insurer in Rhode Island offers different rates based on your personal factors, like age, driving record, and credit score. Compare multiple insurers to find one offering you the best rate.

Methodology

Insurance.com commissioned auto insurance rates from Quadrant Data Services in late 2023 in all 50 states and D.C. Rates are based on a 40-year-old driver with full coverage consisting of 100/300/100 liability limits and $500 deductibles driving a Honda Accord LX. Rates were fielded for drivers with a clean record as well as with speeding tickets across 34,588 ZIP codes and from 170 insurance companies. We also commissioned rates for various age groups including teens (18), young adults (25), adult (40) and seniors (65+).