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How much does your insurance go up for a speeding ticket

Fact-checked with HomeInsurance.com

Article Highlights

If you’ve recently received a speeding ticket, you may be dreading the next renewal period for your auto insurance, since insurers raise rates following most infractions.

Depending on the ticket’s details, such as your speed, state of residence, and prior driving record, your policy premiums may not rise significantly. And if your rates do increase, there are ways to offset the added cost.

In this report, we’ll take a deep dive into factors that affect your car insurance rates, how speeding tickets impact those rates and what you can expect to see on your next policy renewal  bill. 

How a speeding ticket affects your car insurance rates

You won’t see your rates increase immediately after receiving a speeding ticket. Your insurer checks your driving record with each policy renewal, so that’s when rates will go up. How much of an increase you’ll see is related to several factors, including:

  • Your driving record: If this is your first ticket, expect lower increases than if you are a habitual offender — or possibly no increase.
  • Your company: Every insurer has algorithms for determining premium costs, so while a ticket may increase your premium by 20% with one insurer, it may only rise 10% with another.
  • The amount of time since your last infraction: A DUI 20 years ago will matter less than one last year.
  • How fast you were going: Generally, speeds of 20 or more mph over the limit will cost you more than if you were doing 45 in a 40 mph zone.
  • Location of the violation: Speeding in a school zone or densely populated area, for example, may cost you more than speeding on the highway.

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%

Top states by premium increase after a speeding ticket

Answering the question, “how much does a speeding ticket raise insurance,” requires you to look at statistics on a state-by-state basis. The top three states for rate increases are:

  • North Carolina, 44% increase
  • California, 41% increase
  • Arizona, 30% increase

Car insurance rates after a speeding ticket by state

StateAnnual premium with clean recordAnnual premium with speeding ticketDifference
North Carolina $1,378$1,97744%
California$1,974$2,79041%
Arizona$1,517$1,97730%
Indiana$1,187$1,53529%
North Dakota $1,211$1,56429%
Wisconsin $1,049$1,33227%
Rhode Island$2,066$2,61026%
Illinois$1,400$1,76826%
Arkansas$1,749$2,20626%
Maine$831$1,04826%
Massachusetts $1,399$1,75726%
Oregon $1,281$1,60826%
Wyoming $1,335$1,67425%
Georgia$1,746$2,18825%
New Jersey$1,763$2,19625%
Connecticut $1,782$2,21624%
Montana$1,365$1,68824%
Minnesota $1,622$1,99223%
South Carolina $1,568$1,92022%
Ohio$998$1,21221%
Utah $1,301$1,58021%
New Mexico$1,374$1,66321%
Florida$2,587$3,11320%
Oklahoma $1,741$2,09020%
Delaware $1,730$2,07620%
Alabama $1,513$1,81320%
Nebraska$1,329$1,58920%
Virginia$1,136$1,35619%
Washington $1,305$1,54518%
Louisiana $2,351$2,77918%
Michigan $2,105$2,48618%
Colorado$1,720$2,02918%
Idaho$1,055$1,24018%
Vermont $1,123$1,31317%
Washington, D.C.$1,675$1,95617%
Mississippi $1,719$2,00417%
Alaska $1,388$1,61616%
Tennessee $1,281$1,49016%
Kansas $1,567$1,81616%
South Dakota$1,597$1,84015%
Iowa$1,122$1,28815%
New Hampshire $1,137$1,29714%
New York$2,498$2,82313%
Nevada $1,903$2,14713%
Pennsylvania $1,372$1,54413%
Kentucky$1,850$2,07912%
Maryland$1,787$1,97310%
West Virginia $1,631$1,79910%
Hawaii$1,234$1,35910%
Missouri$1,955$2,1329%
Texas $1,974$2,1248%

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%

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 ticket Difference
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%

How long a speeding ticket affects car insurance rates

The amount of time a violation stays on your record varies by state. Insurers also have different time frames that they consider when calculating your premium. On average, you can expect your rates to remain higher for three years with most insurance providers. 

3 years

On average, you can expect your rates to remain higher for

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.

Methodology

Coverage utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes in all 50 states, using the top 15 insurance carriers to determine the average auto insurance premiums. Quoted rates are based on the profile of a 30 year old male and female with clean driving records and good credit. Both drivers insure a new, financed 2018 Toyota Camry, and commute five days a week and drive 12,000 miles annually. Full coverage rates include the following coverage details:

  • $100k bodily injury liability coverage per person
  • $300k bodily injury liability coverage per accident
  • $100k property damage liability coverage per accident
  • $500 collision coverage deductible
  • $500 comprehensive coverage deductible

State minimum rates include each state’s minimum coverage requirements.

A speeding incident was defined as speeding 16-20 MPH over the speed limit. 

These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your quotes will be different.

Mary Van Keuren

After 30 years as a writer and editor in academia, Mary now writes full-time for the insurance and finance industries. Her work has appeared on Reviews.com, TheSimpleDollar.com and Bankrate.com, as well as other consumer-focused websites.

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