- How much does insurance increase after a speeding ticket?
- Average car insurance rates by company after a speeding ticket
- Average car insurance rates by state after a speeding ticket
- How long do speeding tickets affect your insurance?
- How to save on car insurance after a speeding ticket
- Methodology
- Frequently asked questions: How speeding tickets affect car insurance rates
How much does insurance increase after a speeding ticket?
Insurance rates increase by an average of 36% after a speeding ticket, but the rate increase depends on how much over the speed limit you were going, where you live, your insurance company and whether you have any previous moving violations on your driving history.
A higher risk of a crash, and of a more serious crash, means greater odds that the insurance company will have to pay a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing.. To cover that risk, they increase your insurance rates.
To find out how a speeding ticket or other violation will affect your rates, use the simple tool below.
How much could your violation increase your rates?
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Average car insurance rates by company after a speeding ticket
State Farm has the lowest rates after a single speeding ticket with an increase of 17%. USAA is cheaper if you qualify.
How much does insurance go up after a speeding ticket? It depends on your insurance company. Shopping around is always important, but the rate table below shows just how important it is after a speeding ticket. Rates are based on a full coverage policy with 100/300/100 limits and $500 deductibles for either one or two speeding tickets.
| Company | Average annual rate | Average rate after 1 speeding ticket | Average rate after two speeding tickets | % increase after one speeding ticket | % increase after 2 speeding tickets |
|---|---|---|---|---|---|
| Geico | $1,763 | $2,831 | $3,165 | 61% | 80% |
| State Farm | $1,984 | $2,321 | $2,695 | 17% | 36% |
| Allstate | $2,509 | $2,965 | $3,465 | 18% | 38% |
| USAA | $1,381 | $1,680 | $2,112 | 22% | 53% |
| Progressive | $1,998 | $2,650 | $3,053 | 33% | 53% |
| Farmers | $2,387 | $3,380 | $3,717 | 42% | 56% |
| Nationwide | $1,548 | $2,347 | $2,667 | 52% | 72% |
| Travelers | $1,606 | $2,416 | $2,763 | 50% | 72% |
Average car insurance rates by state after a speeding ticket
The biggest increase is in Hawaii, where a single speeding ticket raises auto insurance rates by an average of 85%. At 19%, the average increase in Pennsylvania is the smallest nationwide.
Rates vary from state to state. Below you’ll see how much the average rate is in each state for a driver with a speeding ticket and a full coverage policy (100/300/100 with $500 deductibles).
| State | Average annual rate | Average rate after one speeding ticket | Average rate after two speeding tickets | % increase after one speeding ticket | % increase after two speeding tickets |
|---|---|---|---|---|---|
| Alaska | $1,676 | $2,123 | $2,210 | 27% | 32% |
| Alabama | $1,860 | $2,569 | $2,853 | 38% | 53% |
| Arkansas | $1,957 | $2,844 | $3,147 | 45% | 61% |
| Arizona | $1,812 | $2,477 | $2,831 | 37% | 56% |
| California | $2,416 | $3,575 | $5,143 | 48% | 113% |
| Colorado | $2,337 | $3,338 | $3,280 | 43% | 40% |
| Connecticut | $1,725 | $2,226 | $3,221 | 29% | 87% |
| Washington, D.C. | $2,157 | $2,670 | $2,781 | 24% | 29% |
| Delaware | $2,063 | $2,846 | $3,039 | 38% | 47% |
| Florida | $2,694 | $3,553 | $3,763 | 32% | 40% |
| Georgia | $1,970 | $2,655 | $3,009 | 35% | 53% |
| Hawaii | $1,517 | $2,809 | $1,993 | 85% | 31% |
| Iowa | $1,630 | $2,164 | $2,471 | 33% | 52% |
| Idaho | $1,428 | $1,816 | $1,956 | 27% | 37% |
| Illinois | $1,532 | $2,067 | $2,384 | 35% | 56% |
| Indiana | $1,515 | $2,207 | $2,392 | 46% | 58% |
| Kansas | $1,900 | $2,307 | $2,779 | 21% | 46% |
| Kentucky | $2,228 | $3,190 | $3,418 | 43% | 53% |
| Louisiana | $2,883 | $3,850 | $4,267 | 34% | 48% |
| Massachusetts | $1,726 | $2,112 | $2,493 | 22% | 44% |
| Maryland | $1,746 | $2,404 | $2,625 | 38% | 50% |
| Maine | $1,175 | $1,523 | $1,710 | 30% | 46% |
| Michigan | $2,352 | $3,469 | $4,425 | 47% | 88% |
| Minnesota | $1,911 | $2,578 | $3,217 | 35% | 68% |
| Missouri | $1,982 | $2,461 | $2,695 | 24% | 36% |
| Mississippi | $2,008 | $2,645 | $2,881 | 32% | 43% |
| Montana | $2,193 | $2,953 | $2,814 | 35% | 28% |
| North Carolina | $1,741 | $2,561 | $3,151 | 47% | 81% |
| North Dakota | $1,665 | $2,016 | $2,421 | 21% | 45% |
| Nebraska | $1,902 | $2,649 | $2,892 | 39% | 52% |
| New Hampshire | $1,265 | $1,638 | $1,804 | 29% | 43% |
| New Jersey | $1,902 | $2,799 | $2,952 | 47% | 55% |
| New Mexico | $2,049 | $2,640 | $2,903 | 29% | 42% |
| Nevada | $2,060 | $2,708 | $3,066 | 31% | 49% |
| New York | $1,870 | $2,269 | $2,436 | 21% | 30% |
| Ohio | $1,417 | $2,093 | $2,226 | 48% | 57% |
| Oklahoma | $2,138 | $2,715 | $2,995 | 27% | 40% |
| Oregon | $1,678 | $2,244 | $2,469 | 34% | 47% |
| Pennsylvania | $1,872 | $2,232 | $2,844 | 19% | 52% |
| Rhode Island | $2,061 | $2,901 | $3,198 | 41% | 55% |
| South Carolina | $2,009 | $2,553 | $2,961 | 27% | 47% |
| South Dakota | $2,280 | $2,776 | $3,131 | 22% | 37% |
| Tennessee | $1,677 | $2,310 | $2,605 | 38% | 55% |
| Texas | $2,043 | $2,576 | $2,857 | 26% | 40% |
| Utah | $1,825 | $2,322 | $2,719 | 27% | 49% |
| Virginia | $1,469 | $1,984 | $2,264 | 35% | 54% |
| Vermont | $1,319 | $1,710 | $2,000 | 30% | 52% |
| Washington | $1,608 | $2,296 | $2,327 | 43% | 45% |
| Wisconsin | $1,664 | $2,290 | $2,519 | 38% | 51% |
| West Virginia | $2,005 | $2,710 | $2,998 | 35% | 50% |
| Wyoming | $1,758 | $2,462 | $2,565 | 40% | 46% |
How long do speeding tickets affect your insurance?
As a general rule, you can expect a speeding ticket to affect your insurance rates for three years. It’s important to note that this doesn’t start the day you got the ticket. Rather, the increase will hit your rates when your policy renews, and the insurance company can add the surchargeAn increase in your auto insurance premium due to an at-fault accident or a moving violation. Learn more about how a surcharge affects your auto insurance premiums. for three years from that date.
You might be able to avoid an increase in rates after a speeding ticket, but if not, your rates will go back to normal after three years.
How to save on car insurance after a speeding ticket
After you get a ticket, there are a few ways to reduce the cost of auto insurance:
- Shop around. Every insurance company rates tickets differently.
- Raise your deductible. A higher deductible means lower rates.
- Take a defensive driving course. You may earn a discount.
- Bundle your home and auto insurance. You'll get a discount on both policies.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services for a driver with a clean record, one and two speeding tickets and a full coverage car insurance policy with 100/300/100 liability limits and $500 deductibles. The sample rates were fielded for a 40-year-old driver with a 2023 Honda Accord LX.
Frequently asked questions: How speeding tickets affect car insurance rates
Can you contest a speeding ticket?
Yes, you can contest a speeding ticket in court. Your county website will provide instructions. If you succeed, you can keep the ticket off your record.
Can you keep a speeding ticket off your record?
In some states, you can go to traffic school to prevent the ticket from impacting your driving record. However, in some states the ticket will stay on your record; traffic school will simple remove points. Successfully contesting a ticket will keep it off your record.
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