If you get caught speeding, you’ll want to know how it will affect your car insurance rate. What Happens to Your Car Insurance Rates After a Speeding Ticket?
Well, the answer is your insurance rate will likely go up.
However, the precise rate increase will depend on your specific insurer and the state that you live in.
Let’s find out more.

How much will your car insurance increase after you get a speeding ticket?
At the end of the day, you won’t know the exact amount that your insurance will increase until you get a quote from your insurance company. But we can look at NerdWallet’s recent analysis of rates across the U.S. to get an idea of what the average increase is for insurance rates after a speeding ticket.
The study involved looking at rates for a thirty-five-year-old driver who goes sixteen miles per hour over the speed limit.
The analysis discovered that such a driver would see his or her car insurance rate go up by around 25%. And throughout the nation, drivers with speeding tickets pay an average of $2,043 per year for full coverage insurance, which works out to $413 more than drivers with clean driving records.
The Rate Increase Depends on Your Specific Insurance Company
While the above is a good rough guide to how much you can expect your car insurance rate to go up after receiving a speeding ticket, the precise amount you will pay will depend on your insurance company.
Indeed, you could easily get a lower rate by comparing multiple insurance companies, which you can do quickly at the iSelect car insurance comparison site.
Furthermore, some insurers only raise their rates for drivers with speeding tickets after those drivers have received two or more tickets.
Not every car insurance company raises their rates after a single speeding ticket, so if you only receive one ticket, you could potentially find your rate doesn’t increase at all.
The Rate Increase Depends on Where You Live
Even if you have a good insurance company, your car insurance rate could increase after you get a speeding ticket due to the state that you live in.
In fact, the rate increase can vary significantly depending on your location.
For example, according to the report from NerdWallet, drivers who receive speeding tickets in Michigan pay an average of $92 more per month for their auto insurance while drivers with tickets in New Hampshire only pay an average of $10.25 more per month.
Here are the average annual rate increases for just a few different states:
- Idaho: $191.
- Texas: $193.
- Alaska: $202.
- Connecticut: $313.
- Maryland: $400.
- Rhode Island: $472.
- Kentucky: $489.
- Wyoming: $508.
- Louisiana: $673.
- California: $735.
How long does a speeding ticket stay on your driving record?
If you get a speeding ticket, you’re sure to want to know how long it will stay on your driving record. After all, when the period passes, you could get cheaper car insurance.
Well, again, the exact amount of time that speeding tickets take to drop off your record depends on your specific state, but the ticket will certainly be removed from your driving record within three to five years.
Don’t Speed!
Lastly, it’s worth reminding you that you should never speed.
After all, if you never speed, you can never get a speeding ticket and see your car insurance rate go up.
But more importantly, speeding is a leading cause of car accidents and it puts your life and others’ lives in danger. So, whether you’re embarking on a road trip or commuting to work, it’s never worth speeding just to get somewhere more quickly.
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