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Speeding tickets is something that no one wants to have. It comes with a fine and also becomes a cause to increase your auto insurance premium. Some speeding tickets cost you nothing, while others can cost you much more. If you have a clean driving history, a speeding ticket will not make a big difference. However, your second ticket can cause a rise in your insurance premium. 

A few aspects of how much insurance rates increase after a ticket:

  • The average speeding ticket increases your rate by 13%. (
  • Your speeding ticket Price would be more if you were driving at a higher speed and got pulled over. 
    • If you are driving more than 30 miles/hour over the speed limit, your rates will increase an average of 15%.
    • Your premium will go up 11% on average if you are driving less than 15miles/hour.

Why do insurance rates go up after a ticket? 

Many insurance companies feel more chances of getting yourself in an accident if you don’t follow the rules. Along with speeding tickets, driving without a license, driving carelessly can cause you to pay more for your insurance. To avoid that, insurance companies adopt many ways so that you can get an opportunity to earn a lower rate for your insurance. Insurers offer lower rates to drivers who have gone a long time without a traffic violation or accident. However, speeding tickets can get in your way of earning that reduced rate. In rare cases, drivers who have caused lots of accidents and traffic violations may become uninsurable. It can be rare when it comes to speeding tickets, but nothing is set in stone. In this situation, drivers are often forced to buy government insurance as private companies consider them too risky.  

How to help keep insurance rates lower after a speeding ticket

You can follow the following steps to contradict the effects of speeding tickets on your insurance premiums: 

  • Attending a traffic school or taking a defensive driving course will help you with it. Insurers offer discounts if you take a driving time, and it may help you with your ticket. 
  • Look out for new insurance quotes that can help you with some savings. 
  • Make sure that you are using all the discounts that you qualify for with your insurance companies. Most companies offer a variety of discounts.   

Changing insurance companies can help.

Every insurer has different views regarding the impact of a traffic ticket on your insurance premium. If you search around, you will find that some other insurance companies can offer you a lower premium. Some don’t raise rates on a single violation, while others might increase it a little bit. And others will increase the rates a lot.

One way to make sure that you are getting the best insurance rate is to compare the quote with With, you can save up to $691 every year. 

 How far over the speed limit affects your insurance rates even more?

Every insurer has its way of recognizing speeding violations. It’s not a do-or-die in many cases. But you have to make sure not to make the same mistake again. State law is also considered while raising rates on premiums. Many states work on a point system, where you’ll be assigned one or more points per violation on your driving record. You can use a traffic ticket calculator tool to estimate the insurance increase for a single offense. 

How Long Does a Ticket Stay on Your Insurance Record?

Insurers have a look-back period, which is different for each state and company. The minimum time that a speeding ticket affects is three years. Some companies go back to the date of the incident, while others might only go as far as the conviction period. Major violations like DWI/DUIT will have a look-back period of 10 years; it can only be five years in some states. A violation will not raise your insurance rate unless the company sees it as an offense on your driving record. Hence, the surcharge will not disappear immediately after the crime is off your record. Sometimes an entire policy period has to pass for the insurer to review your documents. 

What Happens If I Can Get Out of a Ticket?

The speeding ticket will show on your record when you get out of access. Every state has a reciprocal agreement that enforces automatic information sharing on the citation. If your driving license had been suspended in the state that you were visiting, you could expect to have your license suspended in your home state as well. Driver’s License Compact agreement is an agreement signed by 45 states wish, including Wisconsin, Tennessee, Michigan, Georgia, Massachusetts, and Washington. Though they still get and receive information on citations. If the violation is a minor one, a state may or may not assign a driver’s license point for out-of-state convictions. But your insurance company will raise your rate, no matter where it happened. 

Multiple violations matter even more.

If you get two speeding tickets, then it will cause an even more significant impact on your insurance. The company’s lenient on the first ticket may not reach the same on the second and third one.  It also depends upon how the point system in your state works. Different things work differently depending upon the conditions. 


Getting a speeding ticket can be a reason to raise rates on your insurance, but it might not go as wrong as you think. You’ll be useful if you follow all the rules and regulations and maintain a good driving record. 

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