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How Much Will a Speeding Ticket Increase Insurance?

Getting a speeding ticket can be a frustrating experience. Not only do you have to pay a fine, but you may also be worried about the effect it will have on your car insurance rates. In this blog post, we will discuss how much a speeding ticket can increase your insurance premiums and the factors that come into play.

Factors that affect insurance rates

There are many factors that affect the cost of auto insurance, including age, gender, location, driving record, and credit score. Insurance companies use this information to determine how likely you are to file a claim and how much it will cost them to provide coverage.

If you have a clean driving record, then you are less likely to file a claim, and your insurance rates will be lower. However, if you have a history of accidents, traffic violations, or other driving infractions, then you will be considered a higher risk driver, and your insurance premiums will be more expensive.

How much will a speeding ticket increase insurance?

On average, a speeding ticket can increase your car insurance rates by 20% to 30%. However, the actual increase will depend on several factors, such as the severity of the infraction, the state you live in, and the insurance company you use.

If you are caught driving over the speed limit, you will likely receive a ticket with a fine. Depending on the severity of the offense, the fines can range from a few hundred to a few thousand dollars.

The major financial impact of a speeding ticket, however, is not the fine, but the increase in insurance premiums. According to some studies, a single speeding ticket can increase a driver’s insurance rates by an average of $1,000 over three years.

How long will a speeding ticket affect insurance rates?

Typically, a speeding ticket will stay on your driving record for three to five years. During this time, your insurance premiums will be higher than they would be if you didn’t have a ticket.

However, not all insurance companies are the same. Some may offer accident or speeding forgiveness programs, which allow drivers to have one incident forgiven without a rate increase. Some companies may also offer discounts to drivers who take safe driving courses or maintain a good driving record.

Ways to reduce insurance premiums

If you have received a speeding ticket, you can take several steps to minimize the impact it will have on your insurance premiums. Some of these steps include:

  • Paying the fine: Paying the fine, and any associated court costs, can help keep the ticket from going on your driving record.
  • Hiring a lawyer: If you are facing severe fines or penalties, you may want to consider hiring a lawyer to represent you.
  • Attending traffic school: In some states, attending traffic school can help reduce or eliminate the impact of a speeding ticket on your driving record.
  • Shopping around for insurance: Even if you have a speeding ticket on your driving record, you may be able to find insurance companies that offer lower rates to high-risk drivers.
  • Driving safely: Of course, the best way to avoid a speeding ticket and keep your insurance premiums low is to drive safely and within the speed limit.


Getting a speeding ticket can be costly, not just because of the initial fine but also because of the increased insurance premiums that come with it. How much your insurance rates will go up after a speeding ticket will depend on many factors, but it’s important to remember that there are steps you can take to reduce the impact and keep your costs as low as possible.

Ultimately, the best way to avoid a speeding ticket and the associated costs is to drive safely, responsibly, and within the speed limit.