Depending on severity of the speeding ticket, insurance companies offer different consequences for them. In most cases, a ticket for improper passing is a minor violation. It is usually equated to a minor speeding ticket. If this is your first ticket, chances are you will see no difference in your premiums (unless it eliminates a "safe driver" discount.)Now, some states have laws governing when and why auto insurers can change policyholders' premiums; often, insurers are not allowed to raise your rates after just one speeding ticket or other citation. Some companies will consider the severity of your violation and raise your rates accordingly; others will raise rates a specific amount per violation.