How Just One Speeding Ticket Affects Your Car Insurance Rate

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

California drivers are likely to see an auto insurance premium increase after a speeding ticket. The table below shows you the average increases based on age.

You may notice that older drivers see a larger increase in car insurance rates after a ticket. That is likely because younger drivers are already considered high-risk and already pay more for car insurance.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
18-year-old male $6,089 $7,295 20%
18-year-old female $6,035 $7,234 20%
40-year-old male $2,110 $2,876 36%
40-year-old female $2,118 $2,887 36%

Auto insurance premiums can increase significantly after a speeding ticket. However, driving history is not the only factor that affects auto insurance premiums. According to the Insurance Information Institute (Triple-I), your age, the type of car you drive, the company you are insured with, how many miles you drive annually, and the coverages and deductibles you choose are common rating factors California insurers use to determine how much your auto insurance costs. In California, insurance companies are prohibited from using your ZIP code, gender or credit-based insurance score to calculate your car insurance premium. Your premium may be higher or lower than the premium rates quoted above depending on your individual rating factors.

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Cheapest states for car insurance after a speeding ticket

As we noted, rate increases following a speeding ticket are not consistent across states. In general, the smallest increases are in Texas (8%), Missouri (9%), Hawaii (10%), West Virginia (10%) and Maryland (10%).

However, this doesn’t mean these are the states with the cheapest auto insurance. For example, Texas is known for the high cost of auto insurance since it has three of the ten largest cities in the country, and insurance is usually more expensive in urban areas. 

State Average premium with clean record Average premium with speeding ticketDifference
Texas$1,974$2,1248%
Missouri$1,955$2,1329%
Hawaii$1,234$1,35910%
West Virginia$1,631$1,79910%
Maryland$1,787$1,97310%

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.

How do parking tickets affect your insurance?

Since they’re not moving violations, parking tickets don’t typically affect your insurance, as most states don’t report them on driving records. However, failure to pay a parking ticket could cost you more than a rate increase, as many states will refuse to renew your vehicle registration until you’ve paid it. Remember that if you drive without an active registration, you could be cited for driving illegally.

While any violation on your driving record can affect your insurance, non-moving violations usually won’t affect your insurance rate. Non-moving violations involve stationary vehicles and can include parking tickets, vehicle violations like a broken light, and expired registrations.

How to limit a rate increase from a speeding ticket

In many cases, an increase in car insurance rates is almost inevitable following a speeding ticket. There are some options that can help in certain cases, but you should always check with your insurance company as to what steps you can take to reduce your rate.

In some situations, a defensive driving course will result in a ticket being dismissed. This isn’t the case in all states. Other options can include various tactics in court, including contesting the ticket or asking the judge for opportunities to keep a ticket off your record.

Some states tie violations to points on a driver’s license, and those points can impact how much insurance rates go up. In North Carolina, for instance, the correlation is put in writing as part of the Safe Driver Incentive Plan (SDIP) system.

Insurers can also set rates by driving record instead of license points. That means efforts to reduce points — for example, a defensive driving course — might not have any impact on your insurance rates.

Why Do Insurance Rates Increase After a Speeding Ticket?

As IDriveSafely notes, when you get a citation for speeding, it indicates that you’re engaging in risky driving habits that could result in an accident, making you a greater risk to insure. Plus, industry data shows that after drivers receive one ticket, they’re likely to receive multiple tickets in the future. Your insurance provider will raise your rates to make up for the added risk of insuring your vehicle. Keep in mind that if you receive too many tickets, whether for speeding or other violations, your provider may refuse you coverage when your policy is up for renewal.

How Can I Lower My Car Insurance After a Speeding Ticket?

If you get a speeding ticket that results in higher rates, there are a few ways you may be able to lower your bill.

  • Take a safe driving course. If you don’t have a history of traffic violations, you may be able to take a state-approved driving course to shave points off your driving record. Or better yet, it may keep the offense off your record, which means you won’t see an increase in your rates from the ticket.
  • Ask for discounts. Sure, you got busted for speeding, but that doesn’t mean you’re not eligible for a car insurance discount. You can get multi-line discounts like bundling auto and home insurance, car safety discounts and other types of discounts, for instance, for paying your premium in full or going paperless.
  • Shop around. One of the best ways to save money is to compare car insurance quotes. Your speeding ticket will affect your driving record and follow you to a new car insurance company, but it may still be able to beat your old company’s rates for the same coverage.

Violation: Illegal right turn on red, ticketed by a red-light camera

In most states, a red-light camera ticket will cost you, but overall the penalties are far lighter than an officer-issued ticket. Those penalties may include lower fines, no demerit points, and the citation that counts as an administrative violation, similar to a parking ticket, instead of a moving violation. That means it won’t show up on your driving record or affect insurance rates.

  • Mitigating factors:
    • State regulations.
  • Impact:
    • State/local fine, varies.
    • Demerit points on driving record or driving school.
  • Local consequences:

Violation: Failure to yield

This may include failure to stop for a variety of circumstances — oncoming traffic, an emergency vehicle, a pedestrian, or yielding the right of way. When the violation also causes an accident, the consequences multiply.

  • Mitigating factors:
    • State regulations.
    • Severity of violation (for example, an accident results from failure to yield).
    • Driving record/history of infractions.
  • Impact:
    • State/local fine, varies.
    • Demerit points on driving record.
    • Possible insurance rate increase.
  • Local consequences:
    • In Michigan (Vehicle Code Act 300 §257.649), failure to yield carries no fine, but does add two demerit points to your driving record. With an accident, the number of points may increase; some states impose points any time a driver is found responsible for a collision. And even if a pricey fine is not imposed, an accident may cost you in increased insurance premiums and deductibles for damage done to your own vehicle and your victim’s vehicle.

FAQs

  • The best way for a motorist to keep a speeding ticket from raising their car insurance rates is to avoid getting speeding tickets. Once a driver has one, every insurance company will be able to see it on their driving record. Most of them will increase rates accordingly.

  • Insurance companies have access to your driving record. This contains information on all traffic and moving violations you've incurred in the last three to five years, depending on your state. Insurers review this information periodically and use it to determine rates for the next policy period.

  • Moving violations tend to affect car insurance rates while parking violations typically don't. These usually aren't recorded on driving records, though this varies by state. If your state reports parking records, these could also affect your rates. However, they likely won't have as much of an effect as moving violations.

  • Camera speeding tickets are typically treated like parking violations and don't appear on driving records. But this also varies by state. If your state reports these speeding tickets on driving records, they'll likely affect car insurance premiums.

  • Car insurance rates can go up after a first speeding ticket. But how much they will increase depends on the insurer, where the driver lives, and how far over the speed limit they were going when they got the ticket.

How long does a speeding ticket affect your insurance rates?

Once people learn that speeding tickets can raise their car insurance rates, their next question is usually "How long does a speeding ticket affect insurance?" It's generally three to five years, but this also depends on where a driver lives.

A ticket affects rates as long as it remains on a driving record, and each state determines that time frame. You can check with your state's department of transportation if you're curious how long speeding tickets stay on your driving record.

The effect a speeding ticket has on a driver's car insurance rates should decrease over time, assuming they're not racking up new ones. But they likely won't see their rates fall to pre-ticket levels until the ticket is off their driving record.

What can you do to lower car insurance premiums after a speeding ticket?

If your primary concern is about cost it’s natural to wonder how much does a speeding ticket raise insurance? Just how much it increases can depend on your driving history and insurer, but there may be some ways to lower car insurance premiums after a speeding ticket. 

The first thing you want to do is see if you qualify for a defensive driving course so you can avoid getting a point added to your record. If so, then that’s a big win and can save you money in the long run. You’ll still have to pay for traffic school though and the ticket plus any associated fees. 

Next, commit to being a safe driver and be more mindful of speed while on the road. One speeding ticket isn’t the end of the world but racking up plenty more won’t do you any favors in the cost-savings department. 

You also want to see if the speeding ticket will affect your car insurance premium or not. If you have a good driving history and this is a one-off thing on a spotless record, your insurance company may not take any action. 

However, if your insurance company does raise your car insurance premium it may be for several years. Depending on the increase and your preference, it may be good to shop around and look at other coverage options. 

Average car insurance rate increases after a speeding ticket

Your state also impacts the rate your premium increases. Why? States have complex laws and regulations for insurers and for those behind the wheel. In some states, insurers may not raise rates for a single violation, or if you were speeding minimally.

Many states use a point system to assign blame after a speeding ticket, which is why you’ll hear people talk about having a certain number of points on their license. Each state interprets how many points to assign differently, so an infraction worth two points in New York, for example, might only be one point in California.

How much does your insurance go up after a speeding ticket in general? On average, if you have full coverage insurance, you’ll see your rates rise 20% after a speeding ticket. So if your ticket-free annual premium is $1,555, your premium after your speeding ticket will be $1,867. 

Annual premium with clean recordAnnual premium with speeding ticketDifference
$1,555$1,86720%

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