Does a Speeding Ticket Affect Your Insurance?

How much a speeding ticket can raise your insurance rates

A speeding ticket will raise your auto insurance premiums in almost every situation. How much it goes up varies widely by location and with a driver’s given background.

A speeding ticket raised rates 21.2%, or $357 per year, for a full-coverage car insurance policy, based on our three-state analysis from Ohio, Illinois and Alabama. That was for a 30-year-old driver who got just one ticket for driving between 11 and 15 miles per hour over the speed limit.

Find the Cheapest Insurers After a Speeding Ticket for Each State

How much insurance rates increased after a ticket ranged from 8.7% to 37%. Those changes were similar whether a driver had full or minimum coverage.

Among the top five major auto insurers, State Farm consistently raised its rates the least for a first speeding ticket. Across states, the effect of a ticket was less than a 10% rise in premiums with State Farm, or about $92 per year.

USAA’s average premium increased by $238. Geico’s increase was $388.

Company Cost increase after speeding ticket Percentage increase State Farm $929%Geico $33819%Progressive $45727%Allstate $52625%USAA $23823%

Getting a ticket can be a moment when it makes sense to shop around for insurance. Your annual costs are likely set to go up, so looking around can allow you to mitigate some of that increase. The ticket won’t impact your rates until you renew coverage, so you should shop around only when your policy is close to its expiration.

How one speeding ticket affects your insurance rates, by state

In every state, a speeding ticket will raise your rates on average by at least $187 if you have full-coverage auto insurance, based on our analysis. The state where rates increased the most was Connecticut, where a ticket added $1,310 on average to annual rates. In six states, that increase was more than $800.

We compiled state-by-state numbers tracking how a speeding ticket can impact your insurance rates.

State Annual policy cost With speeding ticket Increase Alabama$1,870$2,36026%Alaska$1,576$1,78713%Arizona$3,071$3,93328%Arkansas$2,065$2,46619%California$1,817$2,69949%Colorado$3,120$3,89225%Connecticut$2,753$4,06248%Delaware$2,883$3,39218%District of Columbia$2,714$3,09414%Florida$3,230$3,98123%Georgia$2,386$2,76716%Hawaii$1,763$2,04716%Show All Rows

Will a speeding ticket for 5-over affect your insurance rates?

A speeding ticket just over the limit will not only affect your car insurance, but will raise rates almost as much as a more serious ticket. The price of an annual policy with a ticket for driving 5 miles per hour over the limit was only 3.1% lower than one with a ticket for driving 11 to 15 miles per hour over.

Most major insurers had even less of an increase for the less serious ticket. Across the three states we considered, Geico, Progressive and USAA had nearly identical rates for each citation.

How multiple tickets can raise your auto insurance rates

In many cases, getting more speeding tickets will compound the impact of the first. Looking at Geico as an example, the first ticket increased rates more than 20%, while the second raised them 38% more.

All told, drivers with three speeding tickets paid between 66% and 110% more than a driver with no tickets across the three-state sample.

Number of tickets Annual insurance rate increase 120.2%266.8%3110.5%

Do other moving violations affect my insurance?

Any major or minor moving violation that appears on your driving record can increase your car insurance rate depending on how your state and insurer treat the violation. Most states add a certain number of points to your license every time you break a traffic law, though the number of points added per violation varies by state. For example, Arizona will add 3 points to your license for a speeding violation. If you accumulate 8 or more points in 12 months, the state may either require you to attend traffic school or suspend your license for up to a year.

While insurers don’t directly factor points into your car insurance rate, your rate is likely to increase if you’ve accumulated a significant amount of points simply due to the number of violations on your record.

Let’s look at some common traffic violations and how they can impact your insurance rate:

  • How does texting and driving affect insurance? It depends on the law in your state. Some states forbid insurance companies from considering texting tickets for the purpose of setting rates. In states where it’s not banned, insurers may treat them as minor moving violations, which means your rate could go up.
  • Does a red-light ticket affect insurance rates? If you get one of those infamous red-light camera tickets in the mail, you may or may not see higher insurance rates. As with texting tickets, it depends on how your state treats them. Some states outright ban insurance companies from using red-light camera tickets when determining their rates; others treat them as minor moving violations, which may result in a rate increase.
  • Does failing to stop or yield impact insurance too? If you’re cited for not stopping at a stop sign or yielding to traffic when you’re supposed to, you may or may not see a rate increase. As with red-light and texting tickets, it depends on how your insurer and state treat the violation. However, if you cause an accident because of your failure to stop or yield, then you’ll likely see a rate increase.
  • Do out-of-state tickets affect insurance? Yes, tickets you receive while driving out-of-state can drive up your insurance costs. However, the way the state or your insurer treats the violation could result in minimal or no changes to your rate. No matter what, the best thing to do if you get an out-of-state ticket is to pay the fine. Otherwise, you could be arrested the next time you pass through that state.
  • Will a DUI increase my insurance cost? Yes. A DUI conviction will always increase your insurance premium as it makes you a riskier customer to insure. Some insurers won’t even sell a policy to someone with a DUI. Learn more about DUIs and insurance.

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The takeaway

  • Getting a speeding ticket is likely to increase your insurance premium.
  • Factors that influence insurers include how fast you were driving, where you were speeding and whether you have other moving violations. 
  • Generally, your increase will be around 20-25%.
  • Increased rates usually stay in effect for three years.

Getting a speeding ticket is never a happy event — especially when you consider the increased car insurance premiums you’ll be paying afterward. You can expect your rate to increase by an average of 20%, but many factors play a role in that increase.

The best way to respond is to work toward having a clean driving record going forward, avoid claims and consider raising your deductible or cutting out comprehensive or collision coverage to help you save money until your rates drop, usually in three years.

Frequently asked questions

We found that one speeding ticket will increase your insurance rates by 21.2% on average. However, the exact amount will vary based on your driving history, where you live and your insurer’s rules.

The best ways to reduce your insurance bill after a ticket are to shop around for a cheaper insurer or take a driver education class, if your insurer allows it. Otherwise, your rates will return to normal over time.

We found that State Farm has the lowest rate increase after a ticket, at just 9% on average. But you may find a different rate increase based on your driving history.

Do Car Insurance Companies Forgive Speeding Tickets?

Some car insurance companies may be willing to “forgive” minor traffic violations. For example:

  • Travelers has a “Responsible Driver Plan” that will forgive a minor traffic violation every 36 months.
  • Farmers Insurance says drivers who have been insured with them for at least six months may have their first minor violation forgiven and won’t see a rate increase at renewal.
  • With Erie Insurance’s “Rate Lock,” you should be able to avoid a rate increase because your rate is locked in unless you make certain changes to your policy. The changes include adding or removing a driver or vehicle from your policy or changing your primary residence.

Keep in mind that the definition of a “minor” traffic violation will vary by state. Still, if you were driving under 10 mph over the speed limit, it’s probably considered a minor violation.

For example, speeding is considered a minor traffic violation in Texas. But not all speeding is the same. If you’re caught speeding in a drag race in Texas, you’ll most likely be charged with a misdemeanor and could face license suspension and even jail time. It’s unlikely your insurance company will forgive that.

And your car insurance company may not need to forgive the ticket if your state laws dictate how rate hikes are applied for minor violations. For example, New York law only permits rate increases on speeding infractions that are more than 15 mph over the limit.

Minimum vs. full coverage after a speeding ticket

State minimum coverage refers to the state-mandated minimums that every state except New Hampshire requires you to drive legally. These minimums vary but are usually between $25,000 and $30,000 per person for bodily injury coverage, twice that amount for per accident coverage, and anywhere from $10,000 to $25,000 for property damage liability.

Full coverage refers to coverage that includes state-mandated bodily injury and property damage liability plus comprehensive and collision coverage. It may also include uninsured/underinsured motorist coverage, medical payments and roadside assistance. Because it includes extra coverage, it is more expensive than minimum coverage.

If you have minimum coverage, your average rate increase following a speeding ticket is 23%. If your annual premium payment is $545 with a clean driving record, it would rise to $674 with a ticket. Full coverage increases an average of 20%, making your $1,555 annual premium increase to $1,867.

If you have a newer or a high-value car, full coverage is worth it because it helps repair your car from an accident. It also covers you and your passengers for medical costs. If you need to save money and your car doesn’t have a loan, you may want to consider dropping some of that additional coverage to save money.

Coverage typeAverage premium with a clean recordAverage premium with speeding ticketDifference
Full Coverage$1,555$1,86720%
Minimum Coverage$545$67423%

How Much do California Traffic Tickets Affect My Insurance Rates?

We wish we could tell you that traffic tickets hardly affect your rates at all. Unfortunately for us Californians, just one traffic ticket can cause an auto insurance increase. The “Uh-Oh” Calculator on Insurance.com is a helpful tool that tells you how much your California traffic ticket can raise your insurance rates. According to the tool, a reckless driving infraction will raise your rates the most (21.9%). More infraction types and the average percent increase are listed below:

How Tickets Affect Your California Auto Insurance

Infraction TypePercent Increase*
Careless Driving16.08%
Failure to Stop15.38%
Failure to Yield8.8%
Tailgating13.37%
Improper Pass13.65%
Improper Turn14.33%
Reckless Driving21.9%
Speeding 1-14 MPH Over Limit10.62%
Speeding 15-29 MPH Over Limit12.22%
Speeding 30+ MPH Over Limit15.9%

*Based on National Average(The information presented in this chart is based off of data found using The “Uh-Oh” Calculator on Insurance.com.)

For more information about how traffic tickets affect your auto insurance you can read the helpful article below:

Insurance.com: Ticket? Uh-Oh! Auto Insurance Rate Increases for Common Driving Violations

How much does a speeding ticket increase your car insurance in Florida?

On top of fines and driver’s license points, Florida drivers with a speeding ticket may also see their car insurance rates increase. Age and gender are typical factors used to rate car insurance premiums in Florida, so Bankrate’s editorial team has analyzed the premium data to show you the average increases in car insurance premiums while taking these factors into account.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
18-year-old male $8,780 $9,518 8%
18-year-old female $7,554 $8,092 7%
40-year-old male $2,759 $3,153 14%
40-year-old female $2,783 $3,160 14%

Although younger drivers pay higher rates than older drivers due to inexperience, they tend to see a lower percentage increase for a speeding ticket than 40-year-olds. But no matter your age, if you get a speeding ticket in Florida, it is likely that your car insurance premium will increase. However, factors such as your prior driving history, ZIP code, your auto insurance company and vehicle type can also be used to determine your premium, meaning that the cost you pay could be higher or lower than the prices listed above.

The bottom line

After getting hit with a speeding ticket you may worry and wonder how much does insurance go up after a speeding ticket?! It may be several hundred dollars, depending on your record, your insurer and if you can take defensive driving or not. Though it can be costly, a one-time thing is like a warning from the universe to slow down. 

Going forward, be aware of the speed limit in the area you’re driving. In the best case scenario, you won’t have a premium increase. If your car insurance premium does rise, look into getting other car insurance coverage. Low-mileage drivers can take advantage of pay-per-mile coverage with Metromile. You do things like pay for gas by the gallon. So why not pay for miles based on how much you drive? It’s car insurance that makes sense. Grab a complimentary quote with Metromile to see about potential savings.

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