Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 28, 2020

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Things to remember...

  • When you’re applying for insurance, you need to inform the agent if you have a speeding ticket on your record
  • If you don’t list a ticket, it will be found during underwriting, and it could change your rates or eligibility
  • If you have active coverage and you’re cited for speeding, you don’t have to tell your insurer about the ticket
  • Insurance companies will run each driver’s motor vehicle record every renewal to look for new convictions

A speeding ticket can wreak havoc on your insurance rates. Just one small lapse in judgment could be the difference between receiving a Good Driver discount and paying for a surcharge. Moving violations impact your rates and insurers check your driving record either way. Drivers with just one speeding ticket pay $45.46/mo more for auto insurance on average.

If you’re wondering how points will affect your insurance rates, it is imperative that you’re honest about your driving record and your accident history whenever you’re applying for insurance.

You don’t always need to declare a speeding ticket to your auto insurance carrier when you’re cited. Policyholders always need to be forthcoming with information when it’s requested, but they don’t have to go out of their way to tell their insurer when they get ticketed.

To save money on car insurance, compare insurance rates NOW!

Be Upfront When You’re Getting Auto Insurance Quotes

Getting auto insurance is easy now that most companies have an online quoting system in place. When you’re requesting quotes from different carriers, you need to give the most accurate information possible.

Giving inaccurate information, whether it’s on purpose or it’s by accident, can affect how accurate your quotes are.

You should always be upfront when you know you have a ticket or an accident on your driving record. You may not know the exact date, but try your best to remember the date of any speeding infractions that you have so that you can input the information right.

Errors in the reported information could steer you in the wrong direction as you try to find the right policy.

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You Must Disclose All Infractions and Accidents On Your Application

A quote will turn into an application when you decide that you want to proceed with buying coverage through a specific carrier. The application needs to have details so that the contract can take effect. You’ll have to give your license number, the car’s VIN, and other details that are requested.

If you didn’t disclose your tickets on your quote, you need to be prepared to provide all of the right details now that you’re filling out your application.

You’ll need to choose the type of infraction you’ve been convicted of and the date of the conviction so that the underwriter doesn’t have to find the information when they are running reports.

A Speeding Ticket Won’t Affect a Policy That’s Already Active

When you already have insurance in place, your duties and obligations change. When you apply for a new policy, you have an obligation to provide your personal information and disclose information on your driving history.

When you’re already with a carrier, you simply have to pay your premiums and notify the carrier if you have an accident.

Speeding tickets won’t immediately affect your insurance rates on your existing insurance policy.

During the existing term, the rating classification won’t change even when there’s a chargeable ticket or accident. You can tell the insurer you’ve had a ticket, and it still won’t have an impact.

Your Rates Can Go Up When Your Policy Renews

When your policy is set up to renew, it’s an entirely different story. A renewal takes place so that the insurance company can look over your risk profile and decide if it still wants to do business with you.

If you’ve had a speeding ticket and you’re convicted, then the rates will go up effective the start date of your new term.

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Complete Traffic School to Keep Rates Down

If you’re convicted, you can request that you be given the option to complete a traffic school course to erase the points off of your record. When you complete traffic school, not only will the points be erased off of your record, the insurance carrier won’t be able to see the conviction.

You should always declare speeding points when you’re applying for insurance.

Then it’s the carrier’s job to spot the points after you’re already insured with a company by running your record each renewal.

If you’re not happy with your new rate post-ticket, get instant quotes now to see how much you’ll pay for coverage with other companies!