Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach

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...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 3, 2022

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You recently got pulled over and received your first speeding ticket, and now you are wondering how much this infraction will affect your car insurance premium’s total cost.

Car Insurance and Speeding Violations

The amount you will pay for insurance coverage after you get a speeding violation depends on your insurer, state laws, and how fast you were going. 

Let’s look at the key considerations and takeaways. 

Speeding Violations – Key Considerations
AutoInsureSavings.orgThe average speeding ticket may cause your insurance rates to increase by 11 to 26%, depending on the state. Two speeding violations will increase your rates by an average of 40% for three years.
Effective ways to reduce your insurance premium after a ticket are making changes to your coverage, enrolling in a defensive driver course, and maintaining safe driver status.
Your insurer has the right to refuse policy renewal if you have several traffic violations.
The most affordable insurance providers for drivers with a speeding ticket include Erie, USAA, and Auto-Owners.
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For most drivers, your car insurance rates will go up 21% following a speeding ticket.

On average, a driver who has received at least one ticket can expect to pay $1,799 if they have full coverage car insurance.

That is $379 more than drivers who have a driving record with no moving violations.

Insurance with Clean Driving RecordInsurance with Speeding TicketDifference
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The increase in your coverage rates can depend on more than one factor after getting a ticket.

This guide will help you learn more about what factors can influence your car insurance rates after getting a speeding ticket.

And how you can find the best insurance company with the most affordable rates for drivers with past violations.

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How a Speeding Violation Affects Your Auto Insurance Rates

It is important to remember that not all speeding tickets affect car insurance premiums.

Some may cause a minimal change to occur, while others can influence a significant rise in your premium.

If you are a driver with a clean record, a speeding violation shouldn’t cause a big problem with your car insurance costs.

Getting a second or third violation, however, is a cause for alarm.

Also, speed matters.

The faster you were driving when you were pulled over, the higher your ticket will be, and the higher your car insurance premium will be.

Below are the state’s car insurance rates with a speeding ticket 15 MPH or less, 16 to 29 MPH, and 30 MPH or greater.

StateAnnual Premium*
15 MPH or less**16 - 29 MPH30 MPH or greater
New Hampshire$1,137$1,296$1,473$1,671
New Jersey$1,763$2,136$2,288$2,401
New Mexico$1,374$1,532$1,603$1,844
New York$2,498$2,697$2,905$3,175
North Carolina$1,378$1,793$1,959$2,173
North Dakota$1,211$1,582$1,736$1,988
Rhode Island$2,066$2,489$2,641$2,926
South Dakota$1,597$1,830$2,056$2,461
South Carolina$1,568$1,853$2,054$2,371
Washington D.C.$1,675$1,955$2,165$2,480
West Virginia$1,631$1,937$2,143$2,381
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*Premium for a motorist with clean driving history.

**Most states use a point system to determine blame for traffic tickets and the severity of violations, which will be on your motor vehicle record.

Car insurance rates are known to increase 15 to 30% for any driver who is going 30 mph or more over the speed limit.

Those who drive less than 15 mph over the limit can expect higher rates by at least 11%.

The states with the highest car insurance rate hike are:

StatePercent increase
North Dakota24 to 40% increase
North Carolina24 to 37% increase
Arizona17 to 33% increase
California19 to 32% increase
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Why do my car insurance rates go up after I get a traffic ticket?

The main reason why premium costs go up after you get a speeding ticket is insurance providers believe drivers with speeding violations are more likely to be involved in an accident. Or you’ll be a higher-risk motorist.

That is why many top insurance companies, such as Progressive, offer Safe Driver discounts.

These car insurance discounts provide lower rates to those who have gone several years without receiving a traffic violation or filing a claim.

If you receive one or more speeding tickets, you are less likely to be eligible for this money-saving discount. 

Average Car Insurance Rates After a Speeding Ticket

The amount you can expect to pay for auto insurance after a speeding ticket can vary from one provider to another.

Here are a few estimates on your average annual premium with some top providers after receiving a speeding ticket and the increase compared to a driver who has a clean driving record with no violations.

These estimates are for a 40-year old driver who is interested in purchasing full coverage insurance.

Insurance companyWith clean record*After moving violation
State Farm $1,512$1,784
Allstate $1,834$2,172
American Family$1,749$2,030
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*Rates will vary by zip code when you get a quote.

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Cheapest Car Insurance Companies for Traffic Violations

Insurance rate hikes following traffic tickets or motor vehicle accidents can vary from one insurance company to the next and from one state to the next.

After researching the average rate increases for top insurance providers, we found Auto-Owners, USAA, and Erie Insurance offer the most affordable rates.

The monthly full coverage rate for these auto insurance companies for drivers with one infraction.

CompanyRate after violation
Erie Insurance$97
USAA Insurance$129
Auto-Owners Insurance$141
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The United States average auto insurance rates for drivers with one ticket is $209 per month.

For other top insurance providers, the full coverage rates are the following.

Insurance company*Rate after infraction
GEICO Insurance$195
State Farm Insurance$179
Travelers Insurance$160
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*Rates will vary by zip code when you get a quote.

How can I reduce my car insurance after I receive a ticket?

If you have recently received a speeding ticket, you can do a few things to reduce car insurance costs to save money from this point forward.

Make Changes to Your Coverage

If your insurance has gone up after your speeding ticket, you may be able to lower your costs by making changes to your coverage or insurance products. 

Raising your deductible is one option.

According to the Insurance Information Institute, raising a deductible from $100 to $500 can shed 30% in comprehensive and collision coverage.

If you have full coverage insurance with a ticket and the price is too high, you can reduce your insurance coverage to state minimum limits. 

Whether or not this is the right option for you will depend on your coverage needs.

Your agent can provide you with more details on whether changing your auto insurance policy is the best option for you.

Be a Safe Driver

The best way to keep car insurance expenses down is to focus on good driving, doing your best to avoid traffic violations, and stay ticket-free.

It will positively impact your base rate in the future.

Even if you’ve only had one violation, doing what you can to avoid getting more will help keep your insurance costs down.

Enroll in a Defensive Driving Course

In many states, taking a safe driving course can help you reduce your auto insurance.

Drivers are often given a discount by showing proof that they completed a defensive driving or accident prevention class. 

Build Excellent Credit History

Insurance carriers use an insurance credit score to determine how much you pay monthly or annually for a premium. Make sure to keep debts low and pay your bills on time to keep insurance expenses low.  

Additional Discounts

Insurance companies offer discounts to drivers who qualify to cut costs on your insurance premiums.

As an example, you may drive fewer miles per year and earn a low-mileage discount. If you have multiple vehicles, you could earn a multi-car discount with many insurers. Also, safe driving habits, club memberships and other smart practices can led to a variety of discounts. 

Frequently Asked Questions (FAQs)

#1 — Can Multiple Speeding Tickets Double Your Car Insurance?

When you have multiple speeding tickets, you can expect to double your premium.

Most drivers can expect to pay at least 43% more for their monthly premium after receiving two speeding tickets.

That is usually twice the amount of the cost for one speeding ticket.

#2 — How long does a speeding ticket affect car insurance?

A speeding ticket will stay on your insurance record for at least three to five years.

This will vary from one state to the next or depending on which car insurance company you are with, your insurer’s surcharge schedule, and your speeding ticket’s severity.

But most people can expect their violation to impact their insurance rates for a minimum of three years.

#3 — How does State Farm compare to companies like GEICO and Progressive with speeding tickets on your driving record?

Like many other major car insurance companies, State Farm offers a Good Driver discount.

After you receive one or more tickets, you will no longer be eligible for that insurance discount.

State Farm uses the same principles as many other companies when it comes to speeding tickets. 

They have the option to deny drivers renewal applications for car insurance if you have many serious tickets due to speeding, DUI, or reckless driving. You would have to ask about State Farm speeding ticket forgiveness, and whether or not that would be something you could add to your policy. It’s not often a default for auto insurance.

State Farm, as well as GEICO and Progressive, allow drivers to pay more for their premium if their previous year’s driving record has several hits on it.

While one violation may not make a massive difference in how much these customers pay, you can expect multiple tickets to have a significant impact.

As with any sort of auto insurance calculation, there are generally different approaches to how a speeding ticket will affect what you pay. The State Farm point system may be different than Progressive or GEICO, so it’s up to you to ask them before anything happens. You may find that with Progressive a speeding ticket is going to increase much more than with GEICO. Here is the average annual premium drivers can expect to pay to State Farm, GEICO, or Progressive after receiving at least one speeding ticket.

  • GEICO – $1,557
  • Progressive – $2,281
  • State Farm – $1,784

#4 — How much does a speeding ticket increase car insurance with Allstate?

Drivers with Allstate can expect to pay an average of $2,172 annually after receiving a speeding ticket. That is a $338 rate increase compared to drivers who have no violations.

The more speeding tickets you have, the more likely you will see an insurance rate increase with your Allstate policy.

Because insurance providers consider drivers who receive multiple violations to be more likely to have serious crashes or file a claim, if you have too many violations, your insurance company has the right to decide not to renew your insurance policy.

The amount your insurance policy with Allstate will increase depends on these factors:

  • Whether your ticket was your first offense or not
  • The amount of time since your last violation
  • Your previous driving record
  • The location where the ticket was received
  • How many miles per hour you were over the speed limit

Aside from increasing your premium, a speeding ticket can also affect your car insurance in other ways.

This violation may cause you not to be eligible for driving discounts over time. You may also lose your standard car insurance if you have multiple accidents or violations on your record.

To learn more about how a speeding ticket can affect your car insurance costs, contact the agents at Our licensed insurance professionals will be happy to answer any questions you have.

Methodology: collects quotes from the state's largest car insurance companies for a 40-year-old male or female motorist for our driver profile. Each driver has a clean driving record, and we applied good driver, anti-theft, and homeowner discounts. Price quotes for each insurer are via Quadrant Information Services.

Unless stated, our methodology’s operating vehicle is a 2018 Honda Accord.

We retrieved auto insurance quotes for motorists with moving violations from rate data in this instance.

The full coverage policy included:

$50,000 bodily injury liability per person.
$100,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$50,000 uninsured motorist coverage per person.
$100,000 uninsured motorist coverage per accident.

Collision coverage with a $500 deductible.
Comprehensive coverage with a $500 deductible. uses rate data from Quadrant Information Services. We sourced quotes from insurer filings that are publicly available for rate analysis and comparison.
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