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How Do Speeding Fines Affect Insurance?

Speeding is a serious offense that affects not only your driving record but also your insurance policy. If you get caught speeding, the consequences could be steep, affecting your driving record and your wallet. But, how does receiving a speeding ticket affect your auto insurance? This article will cover everything you need to know about how speeding fines affect insurance.

What is a Speeding Ticket?

A speeding ticket is a notice issued by a law enforcement officer to a driver who exceeds the posted speed limit while driving on public roads or highways. In the US, the speed limits vary by state and can range from 20 mph to 85 mph on highways. When you drive faster than the posted speed limit, you are putting yourself and other drivers at risk, and you can receive a speeding ticket.

How Do Speeding Fines Affect Insurance?

Receiving a speeding ticket may affect your car insurance policy in several ways. Firstly, your auto insurance rates are likely to increase. Insurance companies view drivers with speeding tickets as high-risk, which means you are more likely to be involved in a car accident, resulting in an insurance claim. As a result, motorists with speeding tickets on their driving record typically pay higher insurance premiums. Secondly, the severity of the consequences depends on how often you have received a speeding ticket in the past. If you are a first-time offender, your insurance premiums are unlikely to change significantly. However, if you are a repeat offender, your auto insurance rates could increase significantly. Insurance companies will view you as a “reckless driver” who represents a high risk, which will increase your insurance premiums. The amount of the fine can also play a role in your insurance rates. In many states, speeding tickets also carry points, which are added to your driving record. The more points you have, the higher your insurance premiums will be. Speeding tickets usually remain on your driving record for three years, and they can affect your insurance rates for this entire period.

What to Do If You Receive a Speeding Ticket?

If you receive a speeding ticket, there are several things you can do to minimize the effect on your auto insurance rates. One option is to attend traffic school. In many cases, completing a traffic school course can reduce the number of points on your license, which can help keep your auto insurance rates low. Another option is to contest your ticket in court. If you believe you were not speeding or if there are extenuating circumstances, you can contest your ticket in court. If the court agrees with you, your ticket may be dismissed, and your insurance policy will not be affected. At the end of the day, the best way to avoid a speeding ticket and minimize its effect on your insurance premium is to obey traffic laws and drive responsibly. Speed limits are set for a reason – to ensure the safety of all drivers on the road. By slowing down and obeying traffic laws, you can avoid costly fines, points on your driving record, and the increased cost of auto insurance premiums.


Receiving a speeding ticket can be a costly mistake. It can affect your driving record and your auto insurance rates for years to come. The severity of the consequences depends on several factors, including the number of times you have received a ticket in the past, the severity of the offense, and the policy of your insurance company. To avoid costly fines and increased insurance premiums, it’s essential to slow down and drive responsibly.