Speeding ticket calculator in Virginia

Virginia speeding ticket insurance calculator: Estimate your new rates

Virginia 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 Virginia?

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, Virginia drivers with no infractions pay $1,469, while those with a speeding ticket pay $1,984.

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	$1,288	$1,450
State Farm	$1,479	$1,590
Travelers	$1,169	$1,769
Auto-Owners	$1,405	$2,279
GEICO	$1,382	$2,563
Allstate	$2,021	$2,628
Progressive	$2,120	$2,804
USAA	$1,192	$1,449

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How much does insurance increase after multiple tickets in Virginia?

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
Erie Insurance	$1,288	$1,450	$1,777
Travelers	$1,169	$1,769	$2,709
Allstate	$2,021	$2,627	$2,818
Progressive	$2,120	$2,804	$3,388
USAA	$1,192	$1,449	$1,736

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How age affects car insurance after a speeding ticket in Virginia

Younger drivers face much higher auto insurance premiums than older drivers 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 new drivers are already high, a speeding violation can raise those rates even further.

This table lists how a speeding ticket impacts auto insurance premiums across different age groups.

Age	Annual premium with a clean record	Annual premium after a speeding ticket
Teens	$4,169	$5,785
Young Adults	$1,753	$2,449
Adults	$1,469	$2,064
Seniors	$1,378	$1,984

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

Your location within Virginia 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 Virginia cities. A speeding ticket can significantly increase these amounts.

City	Annual premium with a clean record	Annual premium after a ticket
Staunton	$1,271	$1,702
Winchester	$1,326	$1,777
Covington	$1,344	$1,796
Galax	$1,349	$1,798
Bristol	$1,350	$1,826
Lynchburg	$1,368	$1,839
Williamsburg	$1,364	$1,843
Ashburn	$1,428	$1,940
Virginia Beach	$1,457	$1,985
Arlington	$1,515	$2,070
Alexandria	$1,586	$2,172
Norfolk	$1,607	$2,187

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Virginia speeding ticket options after you are found guilty

After you are found guilty of speeding in Virginia, 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 Virginia?

Speeding tickets usually stay on your Virginia driving record for five 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 Virginia?

You can request your driving record from the Virginia 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 Virginia

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 Virginia 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: