Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Nov 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

There’s nothing worse than seeing the flashing lights of a police cruiser behind you.

Not only will you be subjected to stares from cars passing by, but you’ll also more than likely be hit with a ticket.

That means you’ll be facing a hefty fine, and even worse, an increase in your car insurance premium once it comes time to renew your policy.

Importance of a Clean Driving Record

One of the keys to avoiding car insurance policy increases is to keep a clean driving record.

Greg’s article has mentioned five factors which may influence your rates after a ticket. That’s why it is so important to avoid getting a ticket at all costs.

However, even if you always abide by traffic laws, it only takes one instance to catch the attention of a police officer and get a dreaded ticket.

Even Autoblog has some suggestions to help you “fly under the radar” if you want.

Top Ways to Avoid a Speeding Ticket

Top Ways to Avoid a Speeding Ticket
Find a 'rabbit'*
Don't change lanes frequently, tailgate, drive aggressively
Avoid the fast lane
Drive within 5-10 mph of surrounding traffic
Try to stay in the middle of the pack
Don't speed when you are the only car on the road
Get a radar detector if legal in your state
Drive a nondescript car**
Be aware that appearances count
Watch for cutouts where police park on the highway or interstate
Get Your Rates Quote Now

Compare RatesStart Now →

*A rabbit is a solitary driver going fast you follow behind about 100 to 200 yards and hope the rabbit will trip the police scanner and not you.

**Mention below, but driving a less “flashy” or nondescript vehicle will lessen your chances a getting a speeding ticket since it doesn’t catch the eyes of the police.

Here at AutoInsureSavings, we know just how stressful and aggravating it can be to get a ticket.

That’s why we’ve compiled these four tips to help you avoid a ticket at all costs.

If you need to know where speed traps are in your area, Phantom Alert is useful.

Whether you mistakenly missed a traffic sign, you were speeding, or you got caught sending a quick text message, these tips will help you avoid the fine and possible points that come as a result of the ticket, and they’ll also keep your car insurance premiums down.

What to Say To Avoid a Speeding Ticket or Mitigate Your Chances

First, wave 'hello' then put your hands on the door seal with your window down
Ask, 'How’s your day going?'
'Is It OK if I get my wallet out?'
'Would you consider giving me a warning?'
Get Your Rates Quote Now

Compare RatesStart Now →

And What “Not” to Say

Whatever you say don’t say “I’m sorry I was speeding” and never ever say “Do you know who I am?”

Speeding Tickets & the Impact on Car Insurance

Moving ViolationRate Impact
Speeding >10 MPHModerate
Speeding <10 MPHLow
Reckless DrivingSevere
Running a Red LightModerate / Severe
Failure to Yield / Stop Moderate / Severe
Improper PassingModerate
Illegal U-TurnLow / Moderate
Wrong WayModerate
Fleeing from PoliceSevere
Failure to Use Child RestraintModerate / Severe
DUI / DWISevere
Get Your Rates Quote Now

Compare RatesStart Now →

Choose the Right Car

One of the first things that a police officer will notice on the road is the car that you’re driving.

While it may be fun and flashy to drive a red sports car, you’re also going to face greater scrutiny from the officer hiding out behind the overpass.

Insurance companies know this, and that is why sports cars tend to cost more to insure than regular sedans.

This graph shows the top reasons drivers get a ticket, speeding, cell phone use, improper lane change, distracted driving, etc.

Note: These are the top reasons police pull over a driver and issue a ticket. Each are by odds out of 10. For example, speeding is the highest odds, while following too close is lower.

Furthermore, the appearance of the inside of your car may be the difference between you getting left off with a warning and you being issued a ticket.

By keeping your car looking presentable, well-cleaned and free of incriminating bumper stickers, you’ll likely be able to walk away ticket-free.

Reader’s Digest says a police officer has determined whether or not to give you ticket after approaching your vehicle.

The same can also be said for aftermarket add-ons.

For instance, if you have racer seats installed, or a modified steering wheel, the police officer is going to assume the worst, and you’ll more than likely get hit with the ticket you wanted to avoid.

The Worst Speed Traps by State & City

StateTop CityTop Speed Trap / City
AlabamaMadisonQuintard and 22nd, Anniston
Alaska AnchorageN/A
Arizona Prescott ValleyBeeline Highway
Arkansas FayettevilleUS 63 and I-40, Hazen
California BreaEl Dorado Freeway
ColoradoLittletonUS 285, near Alamosa
Connecticut MilfordAlong Route 8
Delaware DoverJames St and Highland Ave, Newport
Florida SarasotaI-95 at NW 40th, Boca Raton
Georgia MariettaLenora Church Rd, Snellville
Hawaii HonoluluPali Highway, by Nuuanu Ave, Honolulu
Idaho Idaho FallsID 75, Ketchum
IllinoisCarol StreamArlington Heights Rd, Arlington Heights
Indiana GreenwoodUS-41, through Terre Haute
Iowa Cedar RapidsAsbury Rd, near Dubuque
Kansas LenexaHighway 24, through Rossville
KentuckyBowling GreenI-65 at I-265, Louisville
Louisiana Baton RougeHighway 65, north of Lake Providence
Maine PortlandWestern Ave, by the Armory in Augusta
Maryland HagerstownPrince Frederick Blvd, Prince Frederick
Massachusetts LeominsterBoylston St at Reservoir Rd, Brookline
Michigan Dearborn HeightsPlymouth Rd and Middle Belt Rd, Livonia
Minnesota EdinaI-35E at Shepard Rd, St. Paul
Mississippi MeridianHighway 4, through Senatobia
Missouri Cape GirardeauBayless Ave at Lemay Ferry Rd, Lemay
MontanaMissoulaW Broadway St and McCormick, Missoula
Nebraska Bellevue72nd St and Ames, Omaha
Nevada Carson CityBlue Diamond Rd at S Jones Blvd, Las Vegas
New Hampshire ConcordNH 106, by the Laconia-Gilford Bypass
New Jersey SayrevilleLincoln Tunnel approach
New Mexico Rio RanchoPat D'Arco Highway at Corales Rd, Rio Rancho
New York TroyNiagara Falls Blvd, Buffalo
North Carolina HickoryState Highway 49, outside of Asheboro
North Dakota Grand ForksHighway 281, near Jamestown
Ohio Cleveland HeightsHighway 49, through River Styx
Oklahoma MooreUS 412 at the Arkansas border
Oregon BeavertonI-84 right on the Idaho border
PennsylvaniaState CollegeSH 36, through Alaska
Rhode Island PawtucketChestnut St, Bristol
South Carolina GreenvilleSC 151, through McBee
South Dakota Rapid CityN/A
Tennessee SmyrnaCedar St and Highland Dr, McKenzie
Texas CoppellOcean and Arroyo, Los Fresnos
Utah SandyHighway 89
Vermont BurlingtonHighway 12, near Woodstock
Virginia BlacksburgHighway 1 and Fuller Rd, Quantico
Washington BremertonHighway 5 at 134th St, Vancouver
West Virginia CharlestonRt 39 at Rt 60, Gauley Bridge
Wisconsin BrookfieldTower Ave at 58th St, Superior
WyomingCasperCanAm Highway, between Lusk and Newcastle
Get Your Rates Quote Now

Compare RatesStart Now →

Never Admit to the Infraction

Always remember that anything you say can, and probably will be used against you in the police report.

If you admit to your infraction, the cop will not only issue you a ticket, but they’ll document your confession on the report. When it comes time to your court date, you won’t stand a fighting chance.

On the other hand, if you answer the officer vaguely, and never admit to the infraction that you committed, you may be able to use certain tactics to get the non-guilty verdict you want when it comes time for your court date.

Plead Not Guilty (and defer your court date)

Even if you know that you were guilty, you should never plead guilty to the ticket.

If you plead not guilty and go to court, the worst that can happen is you’ll have your ticket reduced to a lesser offense that involves fewer or no points being added to your license.

Once you plead not guilty, it would be in your best interest to defer you court date as much as possible.

By deferring your trial date, you stand a better chance of having the officer forget, or simply opt not to go to the trial. If that happens, then you may just get your ticket revoked.

Additional Articles

How Much Does Your Auto Insurance Go Up After a Ticket?
Bad Habit To Drive Up Your Auto Insurance
How a Ticket Affects Your Auto Insurance
Insurance with a Suspended License
Car Insurance Up After and Accident?
Get Your Rates Quote Now

Compare RatesStart Now →

Research All the Tactics You Can Take to Get Your Ticket Dismissed

Lastly, get to know all the loopholes that will work to your advantage when you show up for court.

Whether you received your deposition too late or one of the officers in the patrol car failed to show up for your trial, you can get your ticket thrown out and you’ll drive home ticket-free.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.