How long does a speeding ticket affect your auto insurance?

Speeding tickets can stay on your driving record for 36 months. Drivers with one speeding ticket pay $45.46/month more for auto insurance than those with clean records.

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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...

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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...

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Reviewed byDaniel Walker
Licensed Insurance Agent

UPDATED: Apr 28, 2020

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Here's what you need to know...

  • Your auto insurance rates are determined by reviewing several different risk factors that represent your probability of filing a claim in the future
  • One important risk factor that insurance companies use to determine whether or not you’re likely to have a loss is your driving record
  • If you have speeding tickets on your driving record, the insurer is free to surcharge your rates for up to three years after the conviction has been reported on your Motor Vehicle Report
  • Surcharges vary by company and by state, but the average surcharge for a speeding ticket is around 15 percent of your premiums
  • If you have multiple speeding tickets, you can lose Good Driver discounts that are offered by insurers in most states

Speeding tickets can affect your auto insurance rates for 36 months or more. When you get cited for speeding, you’re ordered to appear in court or pay your fine by mail. If you pay the fine, you’re admitting guilt, and the citation will turn into a conviction on your driving record.

After you pay your fine, you may be done in court, but you aren’t done paying the cost of driving above the posted speed limit.

Speeding tickets can have a major effect on the cost of your insurance — whether or not your rates go up will depend on your age, your gender, your driving record, your accident history, and the state that you live in.

If you’re curious to learn how long your insurance rates could go up after a speeding ticket, read on to find out how long surcharges can last.

Start comparison shopping if your rates have increased. Just enter your zip code into our FREE tool to ensure you’re getting the best rate!

How will a speeding ticket affect my auto insurance?

Getting a speeding ticket will likely increase your auto insurance premium. You may not see immediate changes depending on when your renewal date occurs. If you have several traffic violations in a three-year period, your carrier may decide to drop you.

If your rates increase as a result of your speeding ticket, it likely won’t happen until your policy is reviewed by your auto insurance carrier. Depending on your policy, this may be once a year or once every six months.

If there is a qualifying event that would’ve normally lowered your insurance rates, then you may see little or no change.

Drivers under 25 are considered higher risk. If you are turning 25 before your policy renews, the speeding ticket may offset the savings you would have received for reaching an age that is considered less risky for auto insurance carriers.

If you get a ticket, know that you are not alone. Some of the speeding ticket statistics are staggering. Start your search for the best auto insurance rates by entering your ZIP code in the box above!

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How much will my rates increase?

How do speeding tickets affect insurance rates? Your auto insurance rates are determined based on how risky the insurance company considers you to be.

Insurance carriers will have different methods for calculating risk, and thus different methods for determining rates.

The number of speeding tickets you have on your record as well as at fault accidents and auto insurance claims will all play a role in how much your rate may increase.

The difference is how much weight the insurance company applies to each of these fields.

The best case scenario is not having any prior insurance claims and few traffic violations on record. If your insurance company has been insuring you for any length of time with no insurance claims, there may be little change in your insurance rates.

If you decide to go to a new insurance company after receiving a speeding ticket, that insurance carrier is likely to quote you a higher rate.

With a recent ticket, you are deemed a larger risk by a company that is deciding whether to take you on as a new client.

Will my insurance company drop me for a speeding ticket?

If you have several traffic violations, there is a chance that your insurance company will decide to drop you as a client.

It is against the law for your insurance company to cancel your insurance policy unless you have committed fraud, haven’t paid your bill, or don’t have a driver’s license.

However, they do have the ability to refuse to renew your policy when it expires for any reason.

The likelihood of not being renewed as a result of a speeding ticket is minimal. If you have had several over the course of the policy, then this may be a possibility.

The risk would have to be significant for this to happen. You would be more likely to see a large increase in your premium amount.

It would be much more probable for you to not be renewed by your insurance carrier for an infraction such as drunk driving.

What should I do if I am not renewed by my insurance company?

If your policy is not renewed by your insurance carrier, you will need to find a company that offers auto insurance for high-risk drivers.

Unless the insurance company is going out of business or not offering auto insurance anymore, the only reason you would not be renewed is for being a high-risk driver.

As a high-risk driver, you can expect to pay higher premiums for less coverage. Insurance companies can count on the majority of low-risk drivers to pay their premiums and not have to make claim.

There is a higher expectation that accidents will happen and claims will be made by the high-risk drivers.

If you are still having a difficult time finding a carrier that will insure you, the alternative is to find companies that specialize in non-standard auto insurance.

Non-standard insurance is for drivers that are unable to find insurance products at a reasonable price from other carriers.

Even if you are able to find insurance at other locations, this is likely your best option for good rates as a high-risk driver. Make sure to review the policy to ensure all of your needs are met.

Hopefully, now you have a better idea of how speeding can affect you. It’s not something to take lightly! Receive your free online auto insurance quotes by entering your ZIP code below!

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What factors affect the price of auto insurance?

Auto insurance rates must be approved by the Department of Insurance. Once an insurer’s rates are officially approved, they can begin to charge them to the public.

When carriers give out quotes and underwrite applications, they use their rate filing and factor in personal rating factors to set the price for each policy.

There’s a long list of individual risk factors that are used to determine the cost of a policy. Actuarial studies show that each factor can either increase the likelihood of filing a claim or decrease that risk.

Here are some of the factors that are used by most insurance companies:

  • Age and gender
  • Years of driving experience
  • Marital status
  • Credit-based insurance score
  • Vehicle type and safety record
  • Location and garaging zip code
  • Accident history
  • Driving record
  • Driving patterns
  • Annual mileage

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Why does your driving record affect your insurance rates?

The only time a speeding ticket will cost your insurer money is when your speeding results in a collision. While a speeding ticket alone doesn’t cost the insurer money, it can cost you in the form of higher insurance rates.

Insurance carriers can charge you a surcharge even when the infraction didn’t result in a claim because traffic convictions increase your likelihood of having an accident in the future.

Since drivers with speeding tickets are riskier in the eyes of the insurer, they will pay higher rates than those with clear records.

How long do speeding tickets raise your rates?

You can pay off a fine through the court in a matter of minutes. Unfortunately, it’s not as easy when it comes to your insurance rates following a conviction.

When you’re convicted of speeding, your insurance won’t go up until your following renewal. When your renewal is processed, and the ticket shows up on your Motor Vehicle Report, the carrier can then add a surcharge.

When do tickets fall off your insurance? After the surcharge is added, it can stay on your policy for up to 36 months. It will then fall off at the nearest renewal after the three years have passed.

Some tickets can carry a surcharge for longer periods of time for more serious violations like reckless driving and driving under the influence.

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How much will your rates go up after a speeding ticket?

The surcharge for a speeding ticket depends on how fast you were going over the limit.

If you are cited for going 1 to 29 miles per hour over the speed limit, you could face an average surcharge of between 11 to 12 percent.

If you are convicted of going 30 miles per hour over the speed limit, the surcharge goes up to around 15 percent.

Speeding Tickets Can Affect Your Discounts

Just because a surcharge can fall off your policy after three years doesn’t mean that the ticket can’t still affect your rates.

If you have other moving violations or past claims, an old ticket can disqualify you from receiving Good Driver and Accident-free discounts.

Be sure to review the qualifications for these hefty discounts so that you know what to expect. If you’re convicted of driving over the speed limit, it is in your best interest to take traffic school when you’re eligible.

If you’re not happy with the price of your auto insurance, make sure to compare rates with other carriers before you accept a high surcharge.

Use our FREE online rate comparison tool to price shop, and find out which carrier offers drivers with speeding infractions the best rates.



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