How Much Do Car Insurance Rates Go Up After A Speeding Ticket?

How much is a speeding ticket in California?

Speeding tickets in California can be expensive. Depending on the circumstances of your ticket, you can expect to be fined anywhere from $35 to $1,000.

Those fines do not include other surcharges, assessments and fees. Your auto insurance is likely to increase after a ticket, and you may have to pay to reinstate your license if it is suspended. Plus, if you are required to attend traffic school because of your infraction, you will generally need to pay a state-mandated administrative fee of $52 and the traffic school fee, which costs between $20 and $45.

Frequently asked questions

What is the best car insurance company for drivers with speeding tickets?

Although there are often several top car insurance carriers, based on average premiums, customer service scores, coverages, discounts and financial strength ratings, the best auto insurer for you will depend on a number of individual rating factors and what’s best for you will vary from another driver. One way to determine what company might best fit your needs is to obtain quotes from multiple carriers and compare them, according to the Triple-I.

How much will my car insurance go up after a speeding ticket?

After a speeding ticket, your auto insurance premium will likely increase between 18% to 42%, on average, depending on your age and insurance carrier. Your premium adjustment after a ticket could be higher or lower, depending on your personal rating factors. You may want to consider checking other insurance carriers or talking to your company representative or insurance agent about potential discounts to help offset the increase in your premium.

Why does my insurance increase after a ticket?

Auto insurance rates are based on risk. If an insurance company thinks you are likely to cause an auto accident in the future, they often charge you more to offset this risk. Insurance companies generally view speeding tickets as indications of risky driving behaviors. Because of this, your premium will typically increase after you receive a speeding ticket and will stay elevated for three to five years, although each company has its own underwriting criteria.

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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.

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.

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%

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.

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.

Why do insurance rates go up after a ticket? 

Insurance companies feel that you’re more likely to get into an accident. Other types of moving violations, like driving without a license and reckless driving, can cause your premium to spike even higher.

Speeding tickets can also hurt your pocketbook in other ways. Many insurance companies offer lower rates to drivers who have gone a long time without a traffic violation or accident. Speeding tickets can get in the way of earning that reduced rate. 

In extreme cases, drivers with lots of accidents and traffic violations may become uninsurable. Though this rarely occurs as the result of speeding tickets, it can make it challenging to get on the road. Drivers in this situation are often forced to buy government insurance as private insurers consider them too risky.

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

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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