The amount of time a speeding ticket, or other moving violation, can affect your rates will depend both upon state laws and your own insurance provider's internal guidelines.

If state laws dictate a certain period of time, such as 3 years, then that is how long an insurer can surcharge or raise rates due to your violation however most states do not have a certain amount of time set for insurance companies to raise rates.

Many states allow an insurance provider to raise rates due to traffic violations for several years but the normal amount of time is 2, 5 or 7 years. The more serious the offense the longer it usually stays on your driving record and thus the longer an insurance company may decide to allow it to affect your rates.

To find out how long a speeding ticket on your driving record will affect your auto insurance premiums with your current insurance carrier you will need to speak with your agent. To find out if there are state laws that dictate how long you can be surcharged or pay higher rates due to a speeding ticket or other minor moving violation contact the consumer division of your state's insurance regulator.

With most carriers, you won't see an increase initially. Some carriers only review driving records ever 36 months. So, if you purchase a policy and have a ticket immediately, you may not see a change in rates until they review your driving record which could be 36 months. Some carriers review every 6-12 months. If you change carriers, then you can expect that the violation will be rated on the policy and an increase could be seen. Because carriers define rates differently, it is important to shop around for insurance. Some carriers may rate a lower point value than your carrier does for a speeding violation.

If your rates do go up you can shop around for better rates by getting affordable auto insurance here with us.