How much does a speeding ticket raise insurance?

How much a speeding ticket raises insurance rates depends on where you live and your car insurance company. While drivers with only one speeding ticket will see a modest rate increase, drivers with multiple tickets can pay double. However, tickets usually only affect your insurance rates for three years. So add discounts and take a defensive driving course to lower car insurance rates after a speeding ticket.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Mar 11, 2022

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Things to Know

  • Your state and car insurance company determine if your rates increase with a speeding ticket
  • One ticket increases car insurance rates by an average of $45 a month
  • Drivers can lower rates by taking a defensive driving course and adding discounts

Everyone knows that a speeding ticket costs you a lot of money. But, do you know just how much a speeding ticket raises insurance?

One speeding ticket can increase your car insurance rates by over 30%. However, your rate increase depends on your insurance company and where you live. In addition, how much you were speeding also affects your rates.

Drivers with speeding tickets can save money on auto insurance by adding discounts and shopping around for new coverage.

Continue reading to learn how much a speeding ticket raises insurance rates and how to save.

How much does a speeding ticket raise insurance rates?

Car insurance companies partially base your rates on your driving record. Therefore, accidents, speeding tickets, and DUI infractions will significantly increase your rates.

Insurance companies heed speeding tickets because speed leads to accidents. In fact, according to the National Highway Traffic Safety Administration (NHTSA), 9,478 people were killed due to speeding in 2019.

Because speeders are risky drivers and are more likely to cause accidents, car insurance companies increase rates. However, some car insurance companies won’t raise rates as a result of the first ticket you receive.

In addition, speeding tickets generally only affect your car insurance for approximately three years. So if you rarely get caught speeding, your car insurance rates won’t skyrocket.

Will my car insurance rates go up after one ticket?

Depending on your auto insurance company, your rates may increase with every speeding ticket you receive. In fact, if you acquire more than two speeding tickets in three years, your rates can double.

Your speed will also affect your rates. If you significantly exceed the speed limit, your car insurance company can increase your rates even more.

How much will my insurance go up after speeding tickets? This table reveals average rates from top car insurance companies based on one speeding ticket.

Average Annual Car Insurance Rates After One Speeding Ticket

CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 Speeding ViolationRate Increase Per Month
Allstate$3,819.90$4,483.51$55.30
American Family$2,693.61$3,025.74$27.68
Farmers$3,460.60$4,079.01$51.53
GEICO$2,145.96$2,645.43$41.62
Liberty Mutual$4,774.30$5,701.26$77.25
Nationwide$2,746.18$3,113.68$30.63
Progressive$3,393.09$4,002.28$50.77
State Farm$2,821.18$3,186.01$30.40
Travelers$3,447.69$4,260.80$67.76
USAA$1,933.68$2,193.25$21.63
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One speeding ticket raises rates by an average of $45 a month. However, if you have multiple tickets, accidents, or DUI convictions, you can pay extremely high auto insurance rates. In addition, you may have to procure much more expensive high-risk car insurance.

The state that you live in also affects how much your car insurance rates increase after a speeding ticket. For example, drivers in Montana see an increase of approximately 8%. However, California drivers see a 34% increase on average.

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How can you save on car insurance after a speeding ticket?

Although your car insurance rates will probably increase after a speeding ticket, there are some ways to keep costs down.

An easy way to lower rates is to take advantage of car insurance discounts. Most insurance companies offer multiple types of discounts, so every driver is usually eligible for at least one. In addition, drivers can bundle all of the discounts available to receive more significant savings.

This table discloses car insurance discounts from the top companies. The savings amount is listed if it is available.

Car Insurance Discounts
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Consider taking a defensive driving course to also lower rates. Not only will a defensive driving class remove points from your license in most states, but it will also allow you to receive an additional discount on your car insurance.

Another way to obtain significantly lower auto insurance rates is to shop around. Every company will consider your personal factors differently and offer varied rates. Compare multiple companies to find the lowest rates available for you.

What other factors affect car insurance rates?

In addition to your driving record, there are many other factors that affect your car insurance rates. Everything from your age and vehicle to your credit score and where you live has an impact on your rates.

While your driving record has the most impact on your auto insurance rates, other factors are also used to calculate rates.

Typical factors that affect car insurance rates include:

  • Age. Young drivers lack experience and have higher rates than older, more experienced drivers.
  • Vehicle. New or expensive cars have higher rates since they cost more to repair or replace.
  • Credit score. Insurance companies believe that drivers with a higher credit score are more likely to avoid filing a claim and pay for damages themselves.
  • ZIP code. Drivers who live in areas with bad weather, high traffic volume, or excessive theft rates will experience higher car insurance rates.
  • Type of coverage. More coverage indicates increased rates since the insurance company is more likely to pay out a claim.

While some factors like age are beyond your control, changing other variables will lower your rates. For example, raising your credit score and purchasing a more affordable car can reduce your rates.

How Much Does A Speeding Ticket Raise Insurance: The Bottom Line

A speeding ticket can raise your rates by as much as 34%, depending on the state where you live. In addition, your rates will increase exponentially according to the amount of tickets you have on your driving record.

However, tickets usually only remain on your record for three years. So you won’t be penalized forever for driving too fast.

If you have speeding tickets on your record, take advantage of discounts and take a defensive driving course to lower your rates. In addition, to decrease rates even further, increase your credit score and buy a less expensive vehicle.

The best way to find more affordable car insurance rates after a speeding ticket is to shop around. Every company examines your personal factors differently. Compare multiple companies to find the most affordable rates available for you.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

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