CarInsurance.com Insights
- One speeding ticket could increase your rate by an average of 38% at your next renewal.
- The average insurance rate in Hawaii goes up by 97% after a speeding ticket.
- State Farm, Allstate and Progressive have the lowest car insurance premium increases after a speeding ticket.
Speeding tickets raise your insurance rates by an average of 38% when you renew your policy. The exact amount depends on the state you live in, how far over the speed limit you were traveling, and your insurance company.
Some drivers try to reduce their penalties by offering common speeding ticket excuses, but these rarely prevent a rate increase.
How much will my insurance go up after a speeding ticket?
A speeding ticket will almost always raise your car insurance rates — the exact amount depends on factors like how far over the limit you were, your state, insurer and driving record.
States with the smallest dollar increase after a speeding ticket are Vermont, Pennsylvania, Montana, Nebraska, Ohio, Utah, Virginia, Maryland, New Hampshire and Maine.
States with the largest dollar increase after a speeding ticket are Michigan, California, Hawaii, New Jersey, Texas, Delaware, Rhode Island, Louisiana, Nevada and Florida.
The table below shows average annual rates for full coverage, average rates after a speeding ticket by state, and the increase, both as a percentage and dollar amount.
| State | Rates before a speeding ticket | Rates after a speeding ticket | $ difference | % increase |
|---|---|---|---|---|
| Alabama | $2,116 | $3,054 | $938 | 44% |
| Alaska | $2,167 | $2,904 | $737 | 34% |
| Arizona | $2,420 | $3,433 | $1,013 | 42% |
| Arkansas | $2,942 | $4,033 | $1,091 | 37% |
| California | $3,444 | $5,239 | $1,795 | 52% |
| Colorado | $3,181 | $3,858 | $677 | 21% |
| Connecticut | $2,742 | $3,593 | $851 | 31% |
| Delaware | $3,157 | $4,647 | $1,490 | 47% |
| Florida | $3,916 | $5,238 | $1,322 | 34% |
| Georgia | $2,503 | $3,330 | $827 | 33% |
| Hawaii | $1,757 | $3,462 | $1,705 | 97% |
| Idaho | $1,901 | $2,607 | $706 | 37% |
| Illinois | $1,938 | $2,806 | $868 | 45% |
| Indiana | $1,894 | $2,802 | $908 | 48% |
| Iowa | $2,460 | $3,557 | $1,097 | 45% |
| Kansas | $2,496 | $3,186 | $690 | 28% |
| Kentucky | $2,624 | $3,729 | $1,105 | 42% |
| Louisiana | $3,999 | $5,452 | $1,453 | 36% |
| Maine | $1,808 | $2,465 | $657 | 36% |
| Maryland | $1,999 | $2,592 | $593 | 30% |
| Massachusetts | $2,429 | $3,213 | $784 | 32% |
| Michigan | $3,964 | $6,833 | $2,869 | 72% |
| Minnesota | $2,591 | $3,550 | $959 | 37% |
| Mississippi | $2,397 | $3,075 | $678 | 28% |
| Missouri | $2,151 | $2,840 | $689 | 32% |
| Montana | $2,476 | $2,958 | $482 | 19% |
| Nebraska | $2,095 | $2,596 | $501 | 24% |
| Nevada | $3,963 | $5,298 | $1,335 | 34% |
| New Hampshire | $1,689 | $2,343 | $654 | 39% |
| New Jersey | $3,122 | $4,745 | $1,623 | 52% |
| New Mexico | $2,577 | $3,330 | $753 | 29% |
| New York | $2,596 | $3,386 | $790 | 30% |
| North Carolina | $2,638 | $3,883 | $1,245 | 47% |
| North Dakota | $2,439 | $3,157 | $718 | 29% |
| Ohio | $1,783 | $2,304 | $521 | 29% |
| Oklahoma | $2,993 | $3,799 | $806 | 27% |
| Oregon | $2,048 | $2,823 | $775 | 38% |
| Pennsylvania | $2,327 | $2,781 | $454 | 19% |
| Rhode Island | $2,878 | $4,340 | $1,462 | 51% |
| South Carolina | $2,417 | $3,316 | $899 | 37% |
| South Dakota | $2,575 | $3,371 | $796 | 31% |
| Tennessee | $2,235 | $3,226 | $991 | 44% |
| Texas | $3,106 | $4,714 | $1,608 | 52% |
| Utah | $2,356 | $2,910 | $554 | 24% |
| Vermont | $1,660 | $2,060 | $400 | 24% |
| Virginia | $1,835 | $2,404 | $569 | 31% |
| Washington | $2,389 | $3,361 | $972 | 41% |
| Washington, D.C. | $3,465 | $4,423 | $958 | 28% |
| West Virginia | $2,415 | $3,289 | $874 | 36% |
| Wisconsin | $2,343 | $3,373 | $1,030 | 44% |
| Wyoming | $2,061 | $2,837 | $776 | 38% |
Cheapest car insurance company after a speeding ticket
After receiving a speeding ticket, shopping around for the cheapest car insurance rates is a good idea.
The exact increase you see for speeding will depend on your state’s laws, how fast you were driving, your driving record and your insurance company. Car insurance companies treat traffic tickets differently, as each assesses risk using its own unique formula.
This means how much your insurance goes up after a speeding ticket with Progressive (34%) will look different than if your insurer is GEICO (59%). State Farm increases the least, at 22%, and Nationwide increases the most, at 68%.
The table below shows how much rates increase, on average, among major insurers, after a speeding ticket.
| Company | Rates before a speeding ticket | Rates after a speeding ticket | $ difference | % increase |
|---|---|---|---|---|
| Allstate | $3,159 | $4,025 | $866 | 27% |
| Amica | $2,769 | $4,102 | $1,333 | 48% |
| Farmers | $3,207 | $4,431 | $1,224 | 38% |
| GEICO | $2,159 | $3,426 | $1,267 | 59% |
| Nationwide | $2,524 | $4,247 | $1,723 | 68% |
| Progressive | $2,569 | $3,436 | $867 | 34% |
| State Farm | $2,875 | $3,497 | $622 | 22% |
| Travelers | $1,962 | $2,801 | $839 | 43% |
| USAA* | $1,628 | $1,955 | $327 | 20% |
*USAA offers its services only to military members and their families.
How much does insurance go up after a teenager gets a speeding ticket?
Teen drivers pay significantly higher rates for car insurance than their older counterparts. After a speeding ticket, teenagers often experience larger rate increases than older drivers.
Teens in Louisiana with Safeway Insurance (2%) and in New Hampshire with Progressive (3%) face the lowest increases. Teen drivers in Hawaii with Island Insurance (427%) and in Kentucky with Kentucky Farm Bureau (143%) face the largest increases.
The table below highlights the average premium increase for teen drivers who receive a speeding ticket across different states and insurance companies.
| Company | Rates before speeding | Rates after speeding | $ difference | % difference |
|---|---|---|---|---|
| AIG | $11,855 | $15,135 | $3,280 | 28% |
| Mercury Insurance | $13,113 | $13,969 | $856 | 7% |
| Progressive | $21,837 | $24,176 | $2,339 | 11% |
| State Farm | $6,824 | $7,445 | $621 | 9% |
| Travelers | $6,857 | $9,702 | $2,845 | 41% |
| UAIC | $5,901 | $7,087 | $1,186 | 20% |
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What to do if you receive a speeding ticket
Even one speeding ticket will raise your car insurance rates. If you’re curious about how much of an increase you’re going to see, it comes down to the speed differential between the speed limit and what you were driving, as evidenced in the table below:
| Traffic violation | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Speeding ticket 1-10 mph over the limit | $3,390 | $283 |
| Speeding ticket 11-29 mph over the limit | $3,547 | $296 |
| Speeding ticket 30+ mph over the limit | $3,750 | $313 |
When will a speeding ticket show up on my insurance?
A speeding ticket typically shows up on your insurance during your next policy renewal when your insurer checks your motor vehicle record. If you see an insurance rate increase after getting a speeding ticket, it’s time to shop around for a better rate. Then, when it’s time to renew your policy, you’ll be ready to switch to a cheaper option.
Also, consider taking a defensive driving course, which might save you a bit of money. Discounts might not be applicable after you get a speeding ticket — you’ll lose your good driver discount — but a ticket doesn’t stay on your driving record forever.
And if you’re really in a pinch, consider increasing your deductible. But remember, if you increase your deductible, make sure you have the savings to cover it in case of an accident.
On the other side, you can opt for an accident forgiveness policy, which will be more expensive but will forgive your first accident without a rate increase.
Sophie’s Tip
If you get multiple speeding tickets within three years, you may be classified as a high-risk driver and be required to pay much higher rates than if you were cited just once for exceeding the limit.
How to lower your car insurance rates after a speeding ticket
Here are a few ways to lower your car insurance rates after a speeding ticket:
- Take a defensive driver course: Some insurance companies allow you to take an approved driver education course to offset the negative impact of a speeding ticket. Before signing up, confirm your insurance company approves the course.
- Commit to safe driving: Going forward, make an effort to avoid speeding tickets.
- Shop around: Every insurer calculates rates differently. Comparing rates across multiple companies can help you find the best option for your situation.
Sophie’s Tip
Before you renew, get quotes from a few insurers — one ticket rarely raises every company’s rate by the same amount.
How many points get added to your record for a speeding ticket?
In many states, points are added to your driver’s license when you receive a speeding ticket. The number of points assigned per speeding ticket varies by state and infraction.
State-specific point systems exist, and most — but not all — use points to record violations such as speeding.
The number of points for speeding varies widely. For example:
- Arizona typically assigns 3 points for general speeding.
- California assigns 1 point for most speeding infractions.
- Florida ranges from 3 to 6 points, depending on severity.
- Georgia uses a tiered system:
- 2 points for exceeding the speed limit in a school bus zone by 15–18 mph
- Up to 6 points for speeding 34 mph or more over the limit.
Not all states assign license points for speeding. Some monitor violations via alternative systems — though insurance companies may still factor them into rates. States like Hawaii, Kansas, Louisiana, Minnesota, Mississippi, Oregon, Rhode Island, Texas, Washington, and Wyoming may follow different mechanisms.
Most insurers don’t determine your rate increases based on the number of points on your driver’s license. Insurance companies are generally more interested in your driving history, including the number and type of violations.
Frequently Asked Questions: Speeding tickets
Will one speeding ticket affect insurance premiums?
In general, yes, a single speeding ticket can increase your premiums at your next renewal. However, some insurance companies don’t increase insurance rates after just one ticket. It depends on how fast you were going.
Will my insurance go up if someone gets a ticket in my car?
“Normally (in most policies), if someone else speeds in your car, your cost does not increase, as the ticket will be attributed to the driver,” says Dr. Rob Schumacher, CEO at Feather Insurance. “In case the ticket is wrongly attributed to you, you should clarify this with the ticket-issuing agency. If you have a family plan, then the price can increase if your partner or children are caught speeding.”
Do I have to tell my insurance company about a speeding ticket?
Though you should not be deceitful if asked, you are not required to report a speeding ticket to your insurance company. Keep in mind that insurance companies periodically check your driving history through your state’s Department of Motor Vehicles before renewal. If a speeding ticket is on your driving record, your insurer will see it.
How long do tickets stay on insurance?
Timelines vary based on insurer and state, but most speeding tickets fall off your driver’s license and insurance rate within three to five years. Minor violations could be cleared sooner, and major ones (like DUI) may stay longer.
How much will two points affect my insurance?
A violation that typically carries two points on your driving record can typically cause an increase in premiums of about 20% to 50%, depending on factors such as the type of violation, the state where it’s recorded, your insurer’s rating system and your overall driving history.
How much do four points affect insurance?
Four points on your driving record can have a significant impact on your car insurance rates because they usually indicate multiple violations or a serious offense.
Moderate violations (like two separate speeding tickets) that total four points can typically raise your premiums by 50% to 100%, depending on your insurer and state. Severe violations (like reckless driving, excessive speeding, or DUI) that carry four points in a single incident could increase rates by 100% to 200% — and in some cases, even more.
The bottom line on insurance rates after a speeding ticket
Car insurance companies use your perceived risk as a driver to determine your insurance rates. Drivers with speeding tickets and other traffic violations are considered higher risk and more likely to file claims.
With most insurers, you should expect your car insurance rates to increase after a speeding ticket at your next renewal. If you live in Hawaii, Michigan, California or Texas, you can expect increases of 52% to 97% after a speeding ticket.
In addition to the rate increase from a speeding ticket, you may also lose safe-driving discounts, further increasing your rate. The speeding ticket will remain on your record for about three years, meaning that one lapse in judgment on the road can result in years of higher premiums.
As your renewal approaches, be prepared to shop around. Any insurer who gives you a car insurance quote will know about your speeding ticket, but they may offer a lower rate than your current provider.
Resources & Methodology
Sources
- NOLO. “Driver’s License Point Systems.” Accessed August 2026.
- U.S. Department of Transportation NHTSA. “Risky Driving: Speeding.” Accessed August 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates before and after a speeding ticket. The rates are based on sample profiles of 40-year-old male and female drivers with full-coverage policies and limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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