Speeding tickets for 5 miles per hour over the speed limit are typically taken as a very minor offense. Whether it will place insurance points against you will depend upon your insurance company's rating system. Normally states allow each individual insurance company to have their own point values that are assigned for each type of violation or claim.

Insurance points thus can differ but in general most minor violations count as two (2) insurance points, major violations count as three (3) insurance points and serious infractions such as driving under the influence (DUI) may count as high as six (6) insurance points.

Chances are your insurance carrier will not assign you a higher rate due to this minor traffic violation. However, this violation may force your insurance company to remove any "safe driver" discount that applies to your policy.

To find out for certain if a speeding ticket for 5 mph over the posted limit will add insurance points and to find out the specifics of your insurance carrier's rating system, trying calling your insurance agent. You can also contact your state's insurance regulatory body since all insurance companies must file their rates with this entity.