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How Much Will My Auto Insurance Go Up with A Speeding Ticket? 5 Influential Factors & What to do About it!

Are you currently insured?
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Do you want cheaper car insurance?

Keeping a clean driving record is essential to getting low rates.

A driving record with just one speeding ticket can cause your insurance rates to increase. That raises the following question:

How much will your auto insurance go up with a speeding ticket?

Well, that question can’t be answer with one specific number. In fact, it could vary by tens or hundreds of dollars depending on any of the 5 factors below.

Chart showing the percentage increase in car insurance by moving violation

1. The number of previous speeding tickets and accidents you have on your record

One of the first things your car insurance company will look at when determining the impact of a speeding ticket on your auto insurance rates is your driving record.

They will want to know if your recent speeding ticket is your first, or if it is one of many. They will use that data to decide just how risky you are to insure.

If this is your first speeding ticket, you can count on your car insurance rates increasing by as much as 20 to 40 percent.

2nd chart showing percentage increase in insurance premiums by moving violation

While subsequent tickets may not result in as large a discount as the first, too many speeding tickets could get you labeled as a high risk driver. That label alone will cause your car insurance rates to soar sky high.

Below are moving violations and the impact on your auto insurance premium.

Moving ViolationRate Impact
Speeding >10 MPHModerate
Speeding Low
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

2. The number of years you’ve been driving

In general, those with a longer driving history tend to be considered less risky drivers, and as a result, they have cheaper car insurance rates.

When it comes to the impact of a speeding ticket, those with a longer driving history will typically see less of a rate hike than those that only recently got behind the wheel.

The reason for the difference is actually quite simple. If you’ve been driving for 10 to 20 years and you just received your first speeding ticket, it is more than likely that the ticket was a fluke incident that won’t be repeated. Your car insurance will go up, but the rate hike won’t be astronomical.

Here are some comparison rates hike by different insurance companies:

Insurance CompanySpeedingReckless Driving
Liberty Mutual1.462x1.592x
State Farm1.379x1.590x
Farmers Insurance1.295x1.587x

Note: Using Travelers, the first one, if you have a $600 premium you would multiply it by 1.433 which is $859.80

On the other hand, if you just received your first speeding ticket after 2 years of driving, your auto insurance company may worry that the ticket was the first of many.

They don’t have enough long-term data on your driving habits, and so they have no choice but to consider you to be more risky to insure.

It’s for that reason that new drivers tend to see higher rate increases than those that have been driving for many years.

If you live in a state with the point system below is the approximate rate hike: 

Points% Rate of IncreaseCost if Basic Rate is $600

Note: States use the 12 point system. The table is for illustrative purpose only to show the impact of moving violations on car insurance premiums.

And if you live in any of the following States there is no point system:

7Rhode Island

3. The actual speed you were driving

Just as with fines for speeding, the increase in your car insurance rates will often be tiered depending on how much over the speed limit you were caught doing. That is, the bigger the infraction, the more your rates will go up.

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If you were driving more than 20 to 30 miles per hour over the speed limit, don’t be surprised if you see a bigger increase in your car insurance rates than you would have if you were caught driving just 5 to 10 miles per hour over the speed limit.

Insurance companies know that most speeding tickets get reduced in court, and that a ticket for 20 to 30 miles per hour over the speeding limit could actually mean you were driving faster.

If you were hit with a ticket for that big an infraction, and you have a history of previous speeding tickets, there’s a good chance you may be labeled a high-risk driver.

That means you’ll fact an even larger rate hike than normal for a speeding violation.

Percentage increase with one and two speeding tickets

Image credit to TheZebra.com

4. Defensive driving or traffic school courses

Your car insurance company wants you to learn from your mistakes. In most cases, they’ll even reward you if you show proof that you’re taking the steps necessary to avoid a similar infraction in the future.

If you were just hit with a speeding ticket, you can minimize the impact of the infraction on your auto insurance rates by taking a defensive driving or traffic school course in your area.

These classes are usually offered on a weekly basis, and may even be available online through your employer. Contact your car insurance company to find out how much a defensive driving course will reduce your car insurance rate hike following a speeding ticket.

5. Your car insurance provider

The amount that your car insurance will go up after a speeding ticket or a car accident also depends on the auto insurance provider that you have.

If you think that your car insurance provider hit you with too much of an increase following your speeding infraction, it might be worth comparing your rate with those of other auto insurance companies.

Final Thoughts

To compare your car insurance rates after a speeding ticket, start by filling in your zip code at the top of the page.

Then honestly answer a few basic questions, and we’ll provide you with quotes from the leading auto insurance providers in your area.

You’ll be able to see which company will offer you the best rate following a speeding ticket. 

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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