A speeding violation is a slightly lesser violation than the careless driving violation which is similar to the reckless driving violation. Minnesota Statutes define 'careless driving' as "Any person who operates or halts any vehicle upon any street or highway carelessly or heedlessly in disregard of the rights of others, or in a manner that endangers or is likely to endanger any property or any person, including the driver or passengers of the vehicle, is guilty of a misdemeanor".

According to the Minnesota Insurance Rules, chapter 2770, 2.5 points are assigned for reckless driving, 1.5 points are assigned for careless driving, compared to 0.5 points assigned for speeding. Insurance companies use these points to determine policy renewal, and a total of two points acquired by one insured on a single vehicle is sufficient to warrant nonrenewal of your policy.

Check with your insurance company to get more accurate details as to how this will affect your insurance policy.