Getting a accelerate slate is one of the most common ways to raise your car policy premiums. In about every case, one trespass will affect your costs, and more tickets will compound how much they go up .
Tickets most often stay on your force record for approximately three years. A speeding ticket raises rates by 21.2 % on average, based on our analysis of a three-state sample .
How much a ticket might affect your indemnity prices can be influenced by other factors, such as your drive record, how fast you were going and which company insures your cable car .

How much a speeding ticket can raise your insurance rates

A speed ticket will raise your car policy premiums in about every position. How much it goes up varies wide by localization and with a driver ‘s given background.

A rush slate raised rates 21.2 %, or $ 357 per year, for a full-coverage car policy policy, based on our three-state analysis from Ohio, Illinois and Alabama. That was for a 30-year-old driver who got merely one slate for driving between 11 and 15 miles per hour over the speed limit .
Find the Cheapest Insurers After a Speeding Ticket for Each State
This graph lists insurance rates with and without speeding tickets for five major insurers.

Find Cheap Auto Insurance Quotes after a Speeding Ticket

presently insured ? How much indemnity rates increased after a ticket ranged from 8.7 % to 37 %. Those changes were exchangeable whether a driver had full or minimum coverage .
Among the top five major car insurers, State Farm systematically raised its rates the least for a beginning accelerate ticket. Across states, the effect of a ticket was less than a 10 % wax in premiums with State Farm, or about $ 92 per year .
USAA ‘s average premium increased by $ 238. Geico ‘s increase was $ 388 .


Cost increase after speeding ticket

Percentage increase

State Farm $92 9%
Geico $338 19%
Progressive $457 27%
Allstate $526 25%
USAA $238 23%

Getting a ticket can be a moment when it makes feel to shop around for indemnity. Your annual costs are likely set to go up, so looking about can allow you to mitigate some of that increase. The ticket wo n’t impact your rates until you renew coverage, so you should shop around alone when your policy is close to its termination .

How one speeding ticket affects your insurance rates, by state

In every country, a rush tag will raise your rates on average by at least $ 187 if you have full-coverage car insurance, based on our psychoanalysis. The country where rates increased the most was Connecticut, where a ticket added $ 1,310 on average to annual rates. In six states, that addition was more than $ 800 .
We compiled state-by-state numbers tracking how a speed tag can impact your insurance rates .


Annual policy cost

With speeding ticket


Alabama $1,870 $2,360 26%
Alaska $1,576 $1,787 13%
Arizona $3,071 $3,933 28%
Arkansas $2,065 $2,466 19%
California $1,817 $2,699 49%
Colorado $3,120 $3,892 25%
Connecticut $2,753 $4,062 48%
Delaware $2,883 $3,392 18%
District of Columbia $2,714 $3,094 14%
Florida $3,230 $3,981 23%
Georgia $2,386 $2,767 16%
Hawaii $1,763 $2,047 16%

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

A speed slate precisely over the specify will not only affect your car insurance, but will raise rates about a much as a more dangerous 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 closely identical rates for each citation .

How multiple tickets can raise your auto insurance rates

In many cases, getting more rush tickets will compound the impact of the beginning. Looking at Geico as an example, the first ticket increased rates more than 20 %, while the moment 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

1 20.2%
2 66.8%
3 110.5%

How to limit a rate increase from a speeding ticket

In many cases, an increase in car insurance rates is about inevitable following a speeding ticket. There are some options that can help in certain cases, but you should always check with your indemnity company as to what steps you can take to reduce your rate .
In some situations, a defensive drive path will result in a ticket being dismissed. This isn’t the case in all states. other options can include diverse tactics in woo, 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 example, the correlation is put in writing as depart of the Safe Driver Incentive Plan ( SDIP ) arrangement .
Insurers can besides set rates by driving record rather of license points. That means efforts to reduce points — for model, a defensive drive course — might not have any impact on your policy rates .

How long a speeding ticket stays on your insurance

The distinctive dealings ticket will stay on your driving record for three years. That means a rush quotation could affect your policy rates for about that long .
The time frame varies from express to state. In California, it will only stay on your driving record for 39 months. In contrast, a citation will stay on your record in Virginia for five years .
In most cases, your rate increases will be higher on your first policy after the travel rapidly ticket and could decrease over time .

Frequently asked questions

How much does insurance go up after a speeding ticket?

We found that one speeding ticket will increase your insurance rates by 21.2 % on average. however, the accurate sum will vary based on your driving history, where you live and your insurance company ‘s rules.

How can I bring my rates down after a ticket?

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

Which is the cheapest insurer after a ticket?

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


We collected car policy quotes from every ZIP code in Alabama, Ohio and Illinois. Our sample driver was a 30-year-old man with a 2015 Honda Civic. The driver was single and had a clean drive record outside the pin down infractions .
The coverage limits in the report were set as follows :

Coverage type


Bodily injury liability $50,000 per person/$100,000 per accident
Property damage $25,000 per accident
Uninsured/underinsured motorist bodily injury $50,000 per person/$100,000 per accident
Comprehensive and collision $500 deductible

The state-by-state rates draw from a ValuePenguin dataset taken from every ZIP code nationally .
The analysis used Quadrant Information Services to compile the indemnity rate data, which were publicly sourced from insurance company filings. Rates should be used for comparative purposes only. Your quotation may be different, even if you match the profile used .

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