CarInsurance.com Insights
- One speeding ticket could increase your rate an average of 37% at your next renewal.
- The average insurance rate in Hawaii goes up by 101% after a speeding ticket.
- State Farm, Allstate and Progressive have the lowest car insurance premium increases after a speeding ticket.
If you get a speeding ticket, you’re likely to see an increase in your car insurance rates. The exact amount varies by state and the severity of the infraction.
While it’s best to avoid speeding altogether, some drivers attempt to reduce penalties by offering common speeding ticket excuses — though these don’t always work and may not 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 percentage increase after a speeding ticket are Kansas, North Dakota, New York, South Dakota, Washington, D.C., Missouri and Pennsylvania. States with the largest increase after a speeding ticket are Hawaii, New Mexico, Ohio, California, North Carolina, Michigan, Kentucky and Indiana.
The table below shows annual rates for full coverage and rates after a speeding ticket by state, both as a percentage and dollar amount, on average.
| State | Rates before speeding ticket | Rates after speeding ticket | $ difference | % increase |
|---|---|---|---|---|
| Alaska | $1,676 | $2,223 | $547 | 33% |
| Alabama | $1,860 | $2,593 | $733 | 39% |
| Arkansas | $1,957 | $2,844 | $887 | 45% |
| Arizona | $1,812 | $2,489 | $677 | 37% |
| California | $2,416 | $3,576 | $1,159 | 48% |
| Colorado | $2,337 | $3,339 | $1,002 | 43% |
| Connecticut | $1,725 | $2,342 | $616 | 36% |
| Washington, D.C. | $2,157 | $2,670 | $512 | 24% |
| Delaware | $2,063 | $2,846 | $782 | 38% |
| Florida | $2,694 | $3,784 | $1,090 | 40% |
| Georgia | $1,970 | $2,671 | $701 | 36% |
| Hawaii | $1,517 | $3,050 | $1,533 | 101% |
| Iowa | $1,630 | $2,164 | $534 | 33% |
| Idaho | $1,428 | $1,825 | $397 | 28% |
| Illinois | $1,532 | $2,075 | $543 | 35% |
| Indiana | $1,515 | $2,226 | $711 | 47% |
| Kansas | $1,900 | $2,314 | $414 | 22% |
| Kentucky | $2,228 | $3,268 | $1,041 | 47% |
| Louisiana | $2,883 | $3,850 | $967 | 34% |
| Massachusetts | $1,726 | $2,249 | $522 | 30% |
| Maryland | $1,746 | $2,404 | $658 | 38% |
| Maine | $1,175 | $1,533 | $358 | 30% |
| Michigan | $2,352 | $3,468 | $1,116 | 47% |
| Minnesota | $1,911 | $2,600 | $689 | 36% |
| Missouri | $1,982 | $2,461 | $479 | 24% |
| Mississippi | $2,008 | $2,646 | $637 | 32% |
| Montana | $2,193 | $3,033 | $840 | 38% |
| North Carolina | $1,741 | $2,562 | $821 | 47% |
| North Dakota | $1,665 | $2,047 | $382 | 23% |
| Nebraska | $1,902 | $2,664 | $761 | 40% |
| New Hampshire | $2,060 | $2,708 | $648 | 31% |
| New Jersey | $1,265 | $1,733 | $468 | 37% |
| New Mexico | $1,902 | $2,958 | $1,056 | 56% |
| Nevada | $2,049 | $2,640 | $591 | 29% |
| New York | $1,870 | $2,293 | $423 | 23% |
| Ohio | $1,417 | $2,114 | $697 | 49% |
| Oklahoma | $2,138 | $2,714 | $576 | 27% |
| Oregon | $1,678 | $2,244 | $566 | 34% |
| Pennsylvania | $1,872 | $2,330 | $458 | 24% |
| Rhode Island | $2,061 | $3,016 | $955 | 46% |
| South Carolina | $2,009 | $2,613 | $603 | 30% |
| South Dakota | $2,280 | $2,799 | $519 | 23% |
| Tennessee | $1,677 | $2,324 | $648 | 39% |
| Texas | $2,043 | $2,816 | $772 | 38% |
| Utah | $1,825 | $2,333 | $507 | 28% |
| Virginia | $1,469 | $1,996 | $527 | 36% |
| Vermont | $1,319 | $1,709 | $390 | 30% |
| Washington | $1,608 | $2,297 | $688 | 43% |
| Wisconsin | $1,664 | $2,307 | $643 | 39% |
| West Virginia | $2,005 | $2,789 | $784 | 39% |
| Wyoming | $1,758 | $2,461 | $703 | 40% |
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. In part, car insurance companies treat traffic tickets differently — they each assess risk using their own formula.
This means how much your insurance goes up after a speeding ticket with Progressive (33%) will look different than if your insurer is Nationwide (52%). While State Farm is the most affordable at a 19% increase, GEICO is the most expensive at 64%.
The table below shows how much rates increase, on average, among major insurers, after a speeding ticket.
| Company | Rates before speeding ticket | Rates after speeding ticket | $ difference | % increase |
|---|---|---|---|---|
| Allstate | $2,509 | $3,122 | $613 | 24% |
| Farmers | $2,387 | $3,430 | $1,044 | 44% |
| GEICO | $1,763 | $2,899 | $1,136 | 64% |
| Nationwide | $1,548 | $2,352 | $804 | 52% |
| Progressive | $1,998 | $2,656 | $658 | 33% |
| State Farm | $1,984 | $2,357 | $373 | 19% |
| Travelers | $1,606 | $2,417 | $811 | 50% |
| USAA* | $1,381 | $1,681 | $300 | 22% |
*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 face more significant rate spikes than older drivers.
After receiving a speeding ticket, teen drivers can expect an increase between 11% and 55%. But, in general, expect a hike of at least 28% for most teen speeders.
Teens in Tennessee with Progressive and in Louisiana with Safeway Insurance face the lowest increases. Teen drivers in Hawaii with Island Insurance and in Kentucky with Kentucky Farm Bureau 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.
| State | Company | Rates before speeding | Rates after speeding | $ difference | % difference |
|---|---|---|---|---|---|
| Alaska | State Farm | $4,826 | $5,158 | $332 | 7% |
| Alaska | GEICO | $4,013 | $6,317 | $2,305 | 57% |
| Alaska | Allstate | $5,481 | $6,546 | $1,066 | 19% |
| Alaska | Progressive | $6,603 | $7,257 | $654 | 10% |
| Alaska | USAA | $2,968 | $3,419 | $451 | 15% |
| Alabama | Travelers | $3,828 | $5,067 | $1,238 | 32% |
| Alabama | State Farm | $4,637 | $5,079 | $442 | 10% |
| Alabama | Nationwide | $4,925 | $6,177 | $1,251 | 25% |
| Alabama | Auto-Owners | $5,409 | $7,272 | $1,862 | 34% |
| Alabama | GEICO | $3,790 | $7,709 | $3,918 | 103% |
| Alabama | Allstate | $6,867 | $7,837 | $970 | 14% |
| Alabama | Progressive | $10,835 | $11,689 | $854 | 8% |
| Alabama | Farmers | $10,763 | $16,988 | $6,224 | 58% |
| Alabama | USAA | $3,370 | $3,598 | $229 | 7% |
| Arkansas | Travelers | $3,408 | $5,027 | $1,618 | 47% |
| Arkansas | State Farm | $5,408 | $5,817 | $409 | 8% |
| Arkansas | Nationwide | $5,294 | $6,154 | $859 | 16% |
| Arkansas | GEICO | $5,149 | $8,099 | $2,950 | 57% |
| Arkansas | Progressive | $11,262 | $12,467 | $1,205 | 11% |
| Arkansas | Allstate | $10,693 | $12,903 | $2,211 | 21% |
| Arkansas | Farmers | $8,986 | $15,113 | $6,128 | 68% |
| Arkansas | USAA | $3,064 | $3,410 | $346 | 11% |
| Arizona | GEICO | $3,027 | $5,097 | $2,071 | 68% |
| Arizona | Travelers | $4,178 | $5,850 | $1,672 | 40% |
| Arizona | State Farm | $6,193 | $6,642 | $449 | 7% |
| Arizona | Nationwide | $6,315 | $7,301 | $986 | 16% |
| Arizona | Auto-Owners | $4,137 | $8,121 | $3,984 | 96% |
| Arizona | Allstate | $7,477 | $8,344 | $867 | 12% |
| Arizona | Progressive | $8,622 | $9,744 | $1,123 | 13% |
| Arizona | Farmers | $10,089 | $13,940 | $3,851 | 38% |
| Arizona | CSAA Insurance (AAA) | $11,644 | $14,643 | $3,000 | 26% |
| Arizona | USAA | $5,819 | $7,712 | $1,893 | 33% |
| California | GEICO | $4,969 | $5,693 | $724 | 15% |
| California | Mercury Insurance | $5,073 | $6,706 | $1,633 | 32% |
| California | State Farm | $4,948 | $7,492 | $2,544 | 51% |
| California | Allstate | $6,198 | $7,496 | $1,299 | 21% |
| California | Travelers | $5,144 | $7,574 | $2,431 | 47% |
| California | Progressive | $6,878 | $8,929 | $2,051 | 30% |
| California | Auto Club Enterprises (AAA) | $6,286 | $8,955 | $2,669 | 42% |
| California | Farmers | $7,021 | $9,282 | $2,261 | 32% |
| California | CSAA Insurance (AAA) | $8,279 | $12,198 | $3,918 | 47% |
| California | Nationwide | $9,078 | $13,261 | $4,183 | 46% |
| California | USAA | $4,140 | $5,074 | $934 | 23% |
| Colorado | State Farm | $4,784 | $5,177 | $393 | 8% |
| Colorado | Allstate | $5,479 | $6,137 | $658 | 12% |
| Colorado | Auto-Owners | $6,012 | $7,272 | $1,259 | 21% |
| Colorado | Kemper | $5,379 | $7,545 | $2,166 | 40% |
| Colorado | GEICO | $4,309 | $7,820 | $3,512 | 81% |
| Colorado | Progressive | $11,673 | $12,729 | $1,057 | 9% |
| Colorado | Farmers | $12,053 | $18,271 | $6,218 | 52% |
| Colorado | USAA | $4,236 | $4,714 | $478 | 11% |
| Connecticut | State Farm | $4,817 | $5,200 | $384 | 8% |
| Connecticut | GEICO | $4,450 | $5,742 | $1,292 | 29% |
| Connecticut | Kemper | $5,033 | $7,609 | $2,577 | 51% |
| Connecticut | Nationwide | $6,297 | $7,859 | $1,562 | 25% |
| Connecticut | Progressive | $7,165 | $7,933 | $767 | 11% |
| Connecticut | Amica | $7,913 | $10,150 | $2,237 | 28% |
| Connecticut | The Hanover | $10,487 | $12,911 | $2,424 | 23% |
| Connecticut | Farmers | $10,095 | $14,599 | $4,504 | 45% |
| Connecticut | USAA | $1,770 | $1,867 | $96 | 5% |
| Washington, D.C. | Erie Insurance | $3,075 | $3,765 | $690 | 22% |
| Washington, D.C. | Chubb | $6,688 | $7,070 | $383 | 6% |
| Washington, D.C. | State Farm | $6,935 | $7,496 | $561 | 8% |
| Washington, D.C. | GEICO | $4,321 | $8,436 | $4,115 | 95% |
| Washington, D.C. | Allstate | $10,102 | $12,007 | $1,905 | 19% |
| Washington, D.C. | Progressive | $12,190 | $13,184 | $994 | 8% |
| Washington, D.C. | USAA | $3,305 | $3,739 | $434 | 13% |
| Delaware | Nationwide | $5,065 | $5,710 | $645 | 13% |
| Delaware | State Farm | $6,015 | $6,625 | $611 | 10% |
| Delaware | GEICO | $4,465 | $7,111 | $2,647 | 59% |
| Delaware | American Family | $7,887 | $8,596 | $708 | 9% |
| Delaware | Progressive | $9,775 | $11,442 | $1,667 | 17% |
| Delaware | Allstate | $11,130 | $12,770 | $1,640 | 15% |
| Delaware | Travelers | $9,842 | $13,634 | $3,792 | 39% |
| Delaware | Sentry Insurance | $11,822 | $16,452 | $4,631 | 39% |
| Delaware | USAA | $4,351 | $4,975 | $623 | 14% |
| Florida | State Farm | $5,190 | $5,649 | $460 | 9% |
| Florida | GEICO | $5,948 | $7,624 | $1,675 | 28% |
| Florida | Progressive | $7,201 | $7,898 | $696 | 10% |
| Florida | Nationwide | $7,457 | $8,507 | $1,050 | 14% |
| Florida | National General | $7,513 | $9,167 | $1,654 | 22% |
| Florida | Travelers | $6,670 | $9,507 | $2,837 | 43% |
| Florida | Mercury Insurance | $11,432 | $12,415 | $982 | 9% |
| Florida | Farmers | $12,152 | $19,011 | $6,859 | 56% |
| Georgia | Auto-Owners | $3,903 | $5,287 | $1,384 | 35% |
| Georgia | Country Financial | $4,274 | $5,879 | $1,605 | 38% |
| Georgia | State Farm | $6,321 | $6,815 | $494 | 8% |
| Georgia | GEICO | $5,677 | $6,949 | $1,272 | 22% |
| Georgia | Allstate | $6,412 | $7,497 | $1,084 | 17% |
| Georgia | Progressive | $8,031 | $8,970 | $940 | 12% |
| Georgia | Mercury Insurance | $9,896 | $10,914 | $1,017 | 10% |
| Georgia | USAA | $3,922 | $4,493 | $571 | 15% |
| Hawaii | Farmers | $1,495 | $1,809 | $314 | 21% |
| Hawaii | State Farm | $1,938 | $2,123 | $184 | 10% |
| Hawaii | Progressive | $1,865 | $2,353 | $488 | 26% |
| Hawaii | Allstate | $1,882 | $2,625 | $742 | 39% |
| Hawaii | Island Insurance | $1,771 | $9,307 | $7,536 | 425% |
| Hawaii | USAA | $1,115 | $1,167 | $52 | 5% |
| Iowa | State Farm | $3,170 | $3,439 | $269 | 8% |
| Iowa | Travelers | $3,233 | $4,409 | $1,176 | 36% |
| Iowa | Progressive | $4,146 | $4,633 | $488 | 12% |
| Iowa | Allstate | $5,661 | $6,366 | $706 | 12% |
| Iowa | Auto-Owners | $3,454 | $6,500 | $3,045 | 88% |
| Iowa | GEICO | $4,306 | $7,119 | $2,813 | 65% |
| Iowa | USAA | $2,730 | $3,449 | $719 | 26% |
| Idaho | State Farm | $3,078 | $3,339 | $261 | 8% |
| Idaho | Auto-Owners | $2,522 | $3,612 | $1,090 | 43% |
| Idaho | GEICO | $3,575 | $4,395 | $819 | 23% |
| Idaho | Travelers | $3,283 | $4,508 | $1,225 | 37% |
| Idaho | Nationwide | $5,001 | $5,812 | $811 | 16% |
| Idaho | Allstate | $7,140 | $8,526 | $1,386 | 19% |
| Idaho | Farmers | $7,667 | $10,672 | $3,006 | 39% |
| Idaho | USAA | $3,830 | $5,647 | $1,816 | 47% |
| Illinois | Erie Insurance | $3,105 | $3,621 | $516 | 17% |
| Illinois | Auto Club Group – ACG (AAA) | $3,002 | $3,752 | $749 | 25% |
| Illinois | Travelers | $3,199 | $4,212 | $1,013 | 32% |
| Illinois | State Farm | $4,413 | $4,743 | $330 | 7% |
| Illinois | Progressive | $4,540 | $5,399 | $858 | 19% |
| Illinois | Auto-Owners | $3,386 | $5,850 | $2,463 | 73% |
| Illinois | GEICO | $3,686 | $6,008 | $2,322 | 63% |
| Illinois | Allstate | $6,893 | $9,328 | $2,435 | 35% |
| Illinois | USAA | $5,715 | $8,162 | $2,447 | 43% |
| Indiana | Auto-Owners | $2,998 | $4,608 | $1,610 | 54% |
| Indiana | State Farm | $4,408 | $4,806 | $398 | 9% |
| Indiana | Travelers | $3,640 | $4,954 | $1,314 | 36% |
| Indiana | Nationwide | $4,567 | $5,350 | $784 | 17% |
| Indiana | Progressive | $4,355 | $6,208 | $1,853 | 43% |
| Indiana | GEICO | $2,908 | $6,293 | $3,385 | 116% |
| Indiana | Allstate | $4,801 | $6,433 | $1,632 | 34% |
| Indiana | Farmers | $7,411 | $12,156 | $4,745 | 64% |
| Indiana | USAA | $1,691 | $2,169 | $478 | 28% |
| Kansas | Nationwide | $3,774 | $4,269 | $495 | 13% |
| Kansas | Travelers | $3,694 | $4,665 | $971 | 26% |
| Kansas | State Farm | $4,793 | $5,080 | $287 | 6% |
| Kansas | GEICO | $5,025 | $6,176 | $1,151 | 23% |
| Kansas | Farmers | $6,337 | $7,160 | $823 | 13% |
| Kansas | Progressive | $8,110 | $8,784 | $674 | 8% |
| Kansas | Allstate | $10,366 | $11,822 | $1,456 | 14% |
| Kansas | USAA | $3,537 | $4,428 | $891 | 25% |
| Kentucky | Travelers | $4,771 | $6,746 | $1,975 | 41% |
| Kentucky | Auto-Owners | $4,937 | $6,779 | $1,843 | 37% |
| Kentucky | GEICO | $5,830 | $7,316 | $1,486 | 25% |
| Kentucky | State Farm | $7,107 | $7,640 | $533 | 8% |
| Kentucky | Progressive | $10,498 | $11,459 | $961 | 9% |
| Kentucky | Kentucky Farm Bureau | $4,967 | $12,040 | $7,073 | 142% |
| Kentucky | Allstate | $10,378 | $12,903 | $2,525 | 24% |
| Kentucky | Farmers | $13,216 | $24,326 | $11,110 | 84% |
| Kentucky | USAA | $4,775 | $6,218 | $1,443 | 30% |
| Louisiana | Southern Farm Bureau | $3,967 | $4,531 | $564 | 14% |
| Louisiana | Safeway Insurance | $8,340 | $8,502 | $161 | 2% |
| Louisiana | State Farm | $9,125 | $9,844 | $720 | 8% |
| Louisiana | Progressive | $12,297 | $13,176 | $879 | 7% |
| Louisiana | Auto Club Enterprises (AAA) | $10,378 | $15,314 | $4,935 | 48% |
| Louisiana | GEICO | $10,627 | $18,220 | $7,593 | 71% |
| Louisiana | Farmers | $10,815 | $18,917 | $8,102 | 75% |
| Louisiana | USAA | $4,188 | $5,478 | $1,291 | 31% |
| Massachusetts | Travelers | $4,444 | $5,902 | $1,458 | 33% |
| Massachusetts | Progressive | $6,465 | $7,241 | $775 | 12% |
| Massachusetts | Farmers | $7,163 | $7,487 | $323 | 5% |
| Massachusetts | USAA | $3,634 | $4,002 | $367 | 10% |
| Maryland | Erie Insurance | $3,711 | $4,523 | $812 | 22% |
| Maryland | Nationwide | $4,728 | $5,288 | $560 | 12% |
| Maryland | Progressive | $5,033 | $5,493 | $460 | 9% |
| Maryland | GEICO | $4,450 | $5,675 | $1,225 | 28% |
| Maryland | Travelers | $4,340 | $6,354 | $2,013 | 46% |
| Maryland | Kemper | $4,682 | $6,550 | $1,868 | 40% |
| Maryland | State Farm | $6,080 | $6,562 | $483 | 8% |
| Maryland | Allstate | $9,802 | $11,300 | $1,498 | 15% |
| Maryland | USAA | $3,097 | $3,561 | $464 | 15% |
| Maine | Auto-Owners | $1,634 | $1,881 | $247 | 15% |
| Maine | Allstate | $2,729 | $3,098 | $369 | 14% |
| Maine | Travelers | $2,266 | $3,220 | $954 | 42% |
| Maine | State Farm | $3,517 | $3,814 | $297 | 8% |
| Maine | GEICO | $3,678 | $4,483 | $805 | 22% |
| Maine | Frankenmuth Insurance | $4,444 | $5,717 | $1,273 | 29% |
| Maine | Progressive | $5,882 | $6,533 | $651 | 11% |
| Maine | Farmers | $8,077 | $11,394 | $3,317 | 41% |
| Maine | USAA | $2,318 | $2,486 | $168 | 7% |
| Michigan | Auto-Owners | $3,610 | $5,175 | $1,565 | 43% |
| Michigan | GEICO | $3,467 | $7,464 | $3,998 | 115% |
| Michigan | Progressive | $8,442 | $8,830 | $388 | 5% |
| Michigan | Auto Club Group – ACG (AAA) | $6,061 | $8,852 | $2,790 | 46% |
| Michigan | State Farm | $9,735 | $15,271 | $5,536 | 57% |
| Michigan | USAA | $3,999 | $5,017 | $1,018 | 25% |
| Minnesota | State Farm | $3,664 | $4,021 | $357 | 10% |
| Minnesota | Nationwide | $4,091 | $4,532 | $441 | 11% |
| Minnesota | Auto-Owners | $3,438 | $4,601 | $1,162 | 34% |
| Minnesota | Travelers | $3,792 | $5,176 | $1,384 | 36% |
| Minnesota | Auto Club Group – ACG (AAA) | $5,376 | $7,457 | $2,081 | 39% |
| Minnesota | Allstate | $6,103 | $8,797 | $2,693 | 44% |
| Minnesota | GEICO | $6,874 | $9,326 | $2,452 | 36% |
| Minnesota | USAA | $3,405 | $3,862 | $457 | 13% |
| Missouri | Travelers | $3,801 | $4,998 | $1,197 | 31% |
| Missouri | Nationwide | $4,452 | $5,445 | $992 | 22% |
| Missouri | State Farm | $5,031 | $5,514 | $483 | 10% |
| Missouri | Allstate | $6,183 | $7,349 | $1,165 | 19% |
| Missouri | Progressive | $6,795 | $7,673 | $878 | 13% |
| Missouri | GEICO | $7,740 | $8,697 | $958 | 12% |
| Missouri | Auto Club Enterprises (AAA) | $8,252 | $12,765 | $4,514 | 55% |
| Missouri | USAA | $2,584 | $2,930 | $346 | 13% |
| Mississippi | Nationwide | $3,849 | $4,536 | $687 | 18% |
| Mississippi | State Farm | $4,488 | $4,897 | $408 | 9% |
| Mississippi | Travelers | $4,274 | $5,969 | $1,694 | 40% |
| Mississippi | Shelter Insurance | $6,370 | $7,759 | $1,389 | 22% |
| Mississippi | GEICO | $6,813 | $8,374 | $1,561 | 23% |
| Mississippi | Allstate | $8,540 | $9,739 | $1,199 | 14% |
| Mississippi | Progressive | $10,434 | $11,532 | $1,098 | 11% |
| Mississippi | USAA | $3,279 | $3,771 | $492 | 15% |
| Montana | State Farm | $4,557 | $4,854 | $297 | 7% |
| Montana | Progressive | $6,450 | $7,608 | $1,159 | 18% |
| Montana | GEICO | $7,284 | $8,953 | $1,669 | 23% |
| Montana | Kemper | $8,149 | $9,411 | $1,262 | 15% |
| Montana | Allstate | $8,880 | $10,216 | $1,336 | 15% |
| Montana | Farmers | $8,771 | $13,827 | $5,056 | 58% |
| Montana | USAA | $2,894 | $3,285 | $391 | 14% |
| North Carolina | Erie Insurance | $2,199 | $2,926 | $727 | 33% |
| North Carolina | State Farm | $2,462 | $3,049 | $587 | 24% |
| North Carolina | North Carolina Farm Bureau | $2,594 | $3,137 | $543 | 21% |
| North Carolina | Nationwide | $3,168 | $3,800 | $632 | 20% |
| North Carolina | GEICO | $3,648 | $3,956 | $308 | 8% |
| North Carolina | Progressive | $3,966 | $4,743 | $777 | 20% |
| North Carolina | Farmers | $3,966 | $4,768 | $802 | 20% |
| North Carolina | Allstate | $7,293 | $9,466 | $2,173 | 30% |
| North Dakota | American Family | $2,414 | $3,234 | $821 | 34% |
| North Dakota | Nationwide | $3,347 | $3,983 | $636 | 19% |
| North Dakota | State Farm | $4,383 | $4,691 | $308 | 7% |
| North Dakota | Auto-Owners | $3,789 | $4,945 | $1,155 | 30% |
| North Dakota | Progressive | $6,980 | $7,397 | $417 | 6% |
| North Dakota | GEICO | $6,724 | $8,690 | $1,966 | 29% |
| North Dakota | Allstate | $8,699 | $10,155 | $1,456 | 17% |
| North Dakota | Farmers | $7,785 | $10,990 | $3,206 | 41% |
| North Dakota | USAA | $3,134 | $3,951 | $817 | 26% |
| Nebraska | Nationwide | $3,766 | $4,148 | $382 | 10% |
| Nebraska | Auto-Owners | $2,991 | $4,408 | $1,418 | 47% |
| Nebraska | State Farm | $5,640 | $6,155 | $515 | 9% |
| Nebraska | Allstate | $6,061 | $6,853 | $792 | 13% |
| Nebraska | GEICO | $5,975 | $7,299 | $1,324 | 22% |
| Nebraska | Progressive | $8,340 | $9,946 | $1,606 | 19% |
| Nebraska | USAA | $3,607 | $4,109 | $502 | 14% |
| New Hampshire | Auto-Owners | $1,775 | $2,042 | $267 | 15% |
| New Hampshire | Allstate | $4,290 | $5,039 | $749 | 17% |
| New Hampshire | Nationwide | $4,384 | $5,139 | $754 | 17% |
| New Hampshire | GEICO | $3,541 | $6,827 | $3,286 | 93% |
| New Hampshire | Progressive | $6,477 | $7,074 | $597 | 9% |
| New Hampshire | Farmers | $7,856 | $12,625 | $4,769 | 61% |
| New Hampshire | USAA | $3,320 | $3,870 | $550 | 17% |
| New Jersey | NJM | $3,807 | $4,751 | $944 | 25% |
| New Jersey | Travelers | $3,815 | $5,304 | $1,489 | 39% |
| New Jersey | Plymouth Rock Assurance | $6,195 | $7,859 | $1,664 | 27% |
| New Jersey | Allstate | $6,892 | $10,082 | $3,190 | 46% |
| New Jersey | Progressive | $10,556 | $11,359 | $803 | 8% |
| New Jersey | State Farm | $5,763 | $12,848 | $7,085 | 123% |
| New Jersey | Farmers | $9,664 | $17,686 | $8,023 | 83% |
| New Mexico | State Farm | $4,274 | $4,638 | $364 | 9% |
| New Mexico | Iowa Farm Bureau | $4,493 | $5,156 | $663 | 15% |
| New Mexico | Progressive | $5,031 | $5,576 | $545 | 11% |
| New Mexico | Nationwide | $5,493 | $6,165 | $672 | 12% |
| New Mexico | GEICO | $3,692 | $6,639 | $2,947 | 80% |
| New Mexico | Allstate | $8,170 | $9,316 | $1,146 | 14% |
| New Mexico | Kemper | $11,587 | $12,294 | $707 | 6% |
| New Mexico | Farmers | $11,158 | $14,766 | $3,608 | 32% |
| New Mexico | USAA | $2,468 | $3,322 | $854 | 35% |
| Nevada | State Farm | $3,744 | $4,047 | $303 | 8% |
| Nevada | American Family | $5,497 | $6,893 | $1,397 | 25% |
| Nevada | Travelers | $5,928 | $8,510 | $2,582 | 44% |
| Nevada | Mercury Insurance | $8,135 | $9,044 | $909 | 11% |
| Nevada | GEICO | $4,689 | $9,532 | $4,843 | 103% |
| Nevada | Allstate | $9,061 | $10,366 | $1,305 | 14% |
| Nevada | Progressive | $10,716 | $11,943 | $1,227 | 11% |
| Nevada | Farmers | $9,868 | $12,590 | $2,722 | 28% |
| Nevada | CSAA Insurance (AAA) | $11,013 | $14,819 | $3,807 | 35% |
| Nevada | USAA | $4,896 | $5,312 | $416 | 8% |
| New York | Progressive | $2,991 | $3,155 | $164 | 5% |
| New York | Erie Insurance | $4,797 | $6,051 | $1,253 | 26% |
| New York | GEICO | $4,626 | $6,177 | $1,551 | 34% |
| New York | State Farm | $5,712 | $6,299 | $587 | 10% |
| New York | Travelers | $6,367 | $7,855 | $1,488 | 23% |
| New York | Allstate | $6,074 | $7,960 | $1,885 | 31% |
| Ohio | Erie Insurance | $2,906 | $3,328 | $422 | 15% |
| Ohio | Auto-Owners | $2,865 | $3,911 | $1,047 | 37% |
| Ohio | Travelers | $3,888 | $5,429 | $1,541 | 40% |
| Ohio | GEICO | $2,838 | $5,556 | $2,718 | 96% |
| Ohio | Allstate | $5,121 | $6,601 | $1,480 | 29% |
| Ohio | Progressive | $7,155 | $8,137 | $982 | 14% |
| Ohio | Farmers | $8,015 | $10,330 | $2,315 | 29% |
| Ohio | USAA | $2,358 | $3,016 | $658 | 28% |
| Oklahoma | State Farm | $4,333 | $4,621 | $289 | 7% |
| Oklahoma | Shelter Insurance | $5,647 | $6,512 | $866 | 15% |
| Oklahoma | Progressive | $5,960 | $6,514 | $554 | 9% |
| Oklahoma | Oklahoma Farm Bureau | $7,873 | $9,539 | $1,666 | 21% |
| Oklahoma | Mercury Insurance | $9,408 | $10,368 | $960 | 10% |
| Oklahoma | Allstate | $9,282 | $10,633 | $1,352 | 15% |
| Oklahoma | GEICO | $5,522 | $10,832 | $5,310 | 96% |
| Oklahoma | Farmers | $10,495 | $12,844 | $2,349 | 22% |
| Oklahoma | USAA | $3,495 | $4,628 | $1,133 | 32% |
| Oregon | State Farm | $3,925 | $4,229 | $304 | 8% |
| Oregon | Travelers | $3,778 | $5,059 | $1,281 | 34% |
| Oregon | Nationwide | $5,476 | $6,362 | $887 | 16% |
| Oregon | GEICO | $4,408 | $8,198 | $3,791 | 86% |
| Oregon | Progressive | $8,727 | $9,855 | $1,129 | 13% |
| Oregon | Farmers | $8,995 | $11,997 | $3,002 | 33% |
| Oregon | Allstate | $10,544 | $13,177 | $2,633 | 25% |
| Oregon | USAA | $3,207 | $4,176 | $969 | 30% |
| Pennsylvania | Travelers | $2,350 | $3,002 | $652 | 28% |
| Pennsylvania | Erie Insurance | $4,041 | $4,824 | $783 | 19% |
| Pennsylvania | Nationwide | $4,445 | $5,339 | $894 | 20% |
| Pennsylvania | GEICO | $4,295 | $5,970 | $1,675 | 39% |
| Pennsylvania | State Farm | $7,313 | $7,859 | $546 | 7% |
| Pennsylvania | USAA | $4,463 | $5,012 | $549 | 12% |
| Rhode Island | Nationwide | $6,454 | $7,366 | $912 | 14% |
| Rhode Island | American Family | $5,414 | $8,185 | $2,771 | 51% |
| Rhode Island | Allstate | $8,046 | $8,804 | $759 | 9% |
| Rhode Island | Progressive | $8,659 | $9,361 | $702 | 8% |
| Rhode Island | GEICO | $7,311 | $9,619 | $2,308 | 32% |
| Rhode Island | Travelers | $10,172 | $12,493 | $2,321 | 23% |
| Rhode Island | Amica | $9,501 | $13,586 | $4,085 | 43% |
| Rhode Island | Farmers | $11,355 | $15,216 | $3,861 | 34% |
| Rhode Island | USAA | $5,054 | $5,815 | $761 | 15% |
| South Carolina | Auto-Owners | $3,662 | $4,986 | $1,325 | 36% |
| South Carolina | State Farm | $5,288 | $5,778 | $490 | 9% |
| South Carolina | Travelers | $4,865 | $6,831 | $1,966 | 40% |
| South Carolina | Allstate | $6,058 | $8,087 | $2,029 | 33% |
| South Carolina | Progressive | $9,184 | $10,179 | $994 | 11% |
| South Carolina | USAA | $6,089 | $6,778 | $689 | 11% |
| South Dakota | State Farm | $4,689 | $4,958 | $269 | 6% |
| South Dakota | Nationwide | $4,390 | $5,357 | $967 | 22% |
| South Dakota | Auto-Owners | $5,855 | $7,252 | $1,397 | 24% |
| South Dakota | GEICO | $6,158 | $7,570 | $1,411 | 23% |
| South Dakota | Farmers | $7,988 | $9,674 | $1,686 | 21% |
| South Dakota | Allstate | $8,926 | $10,008 | $1,082 | 12% |
| South Dakota | Progressive | $9,751 | $10,266 | $515 | 5% |
| South Dakota | USAA | $3,988 | $5,667 | $1,679 | 42% |
| Tennessee | Erie Insurance | $3,582 | $4,082 | $500 | 14% |
| Tennessee | State Farm | $4,581 | $5,033 | $452 | 10% |
| Tennessee | Travelers | $3,804 | $5,500 | $1,696 | 45% |
| Tennessee | Progressive | $6,701 | $6,716 | $15 | 0% |
| Tennessee | Nationwide | $6,687 | $7,653 | $967 | 14% |
| Tennessee | GEICO | $4,453 | $7,869 | $3,416 | 77% |
| Tennessee | Farmers | $7,006 | $11,030 | $4,023 | 57% |
| Tennessee | Allstate | $11,010 | $12,665 | $1,655 | 15% |
| Tennessee | USAA | $3,714 | $4,050 | $336 | 9% |
| Texas | GEICO | $3,652 | $5,545 | $1,893 | 52% |
| Texas | Nationwide | $5,530 | $6,660 | $1,130 | 20% |
| Texas | Auto Club Enterprises (AAA) | $6,077 | $8,881 | $2,803 | 46% |
| Texas | Progressive | $11,667 | $12,945 | $1,278 | 11% |
| Texas | USAA | $3,648 | $4,149 | $500 | 14% |
| Utah | Nationwide | $4,087 | $4,462 | $375 | 9% |
| Utah | Auto-Owners | $3,951 | $5,240 | $1,289 | 33% |
| Utah | State Farm | $6,029 | $6,460 | $431 | 7% |
| Utah | GEICO | $4,523 | $7,639 | $3,116 | 69% |
| Utah | Allstate | $7,382 | $8,421 | $1,039 | 14% |
| Utah | Progressive | $8,402 | $8,963 | $562 | 7% |
| Utah | Farmers | $11,066 | $14,594 | $3,528 | 32% |
| Utah | USAA | $3,693 | $4,250 | $557 | 15% |
| Virginia | Erie Insurance | $2,884 | $3,390 | $505 | 18% |
| Virginia | State Farm | $3,935 | $4,269 | $335 | 9% |
| Virginia | Travelers | $3,248 | $4,591 | $1,343 | 41% |
| Virginia | Allstate | $4,501 | $5,925 | $1,425 | 32% |
| Virginia | GEICO | $3,312 | $5,983 | $2,671 | 81% |
| Virginia | Auto-Owners | $3,565 | $6,496 | $2,931 | 82% |
| Virginia | Progressive | $10,048 | $10,928 | $880 | 9% |
| Virginia | USAA | $3,530 | $3,946 | $417 | 12% |
| Vermont | Auto-Owners | $2,107 | $2,423 | $316 | 15% |
| Vermont | Progressive | $2,948 | $3,359 | $411 | 14% |
| Vermont | State Farm | $3,176 | $3,389 | $213 | 7% |
| Vermont | Nationwide | $3,004 | $3,463 | $460 | 15% |
| Vermont | GEICO | $4,219 | $5,185 | $966 | 23% |
| Vermont | Vermont Mutual | $4,783 | $5,242 | $459 | 10% |
| Vermont | Allstate | $4,712 | $5,466 | $754 | 16% |
| Vermont | Farmers | $10,279 | $13,628 | $3,349 | 33% |
| Vermont | USAA | $2,507 | $2,701 | $194 | 8% |
| Washington | Farmers | $4,188 | $4,855 | $667 | 16% |
| Washington | State Farm | $4,520 | $4,964 | $444 | 10% |
| Washington | American Family | $4,059 | $4,970 | $911 | 22% |
| Washington | Travelers | $3,691 | $5,048 | $1,357 | 37% |
| Washington | GEICO | $4,289 | $6,042 | $1,753 | 41% |
| Washington | Allstate | $5,886 | $6,652 | $765 | 13% |
| Washington | Nationwide | $5,918 | $7,093 | $1,175 | 20% |
| Washington | Progressive | $9,092 | $10,490 | $1,398 | 15% |
| Washington | USAA | $3,440 | $4,086 | $646 | 19% |
| Wisconsin | Erie Insurance | $2,904 | $3,381 | $477 | 16% |
| Wisconsin | Travelers | $2,976 | $3,939 | $963 | 32% |
| Wisconsin | Nationwide | $4,300 | $5,061 | $761 | 18% |
| Wisconsin | State Farm | $6,019 | $6,607 | $588 | 10% |
| Wisconsin | GEICO | $4,047 | $7,061 | $3,014 | 74% |
| Wisconsin | Allstate | $7,145 | $8,442 | $1,296 | 18% |
| Wisconsin | Progressive | $7,935 | $8,463 | $528 | 7% |
| Wisconsin | Farmers | $7,711 | $11,218 | $3,507 | 45% |
| Wisconsin | USAA | $2,458 | $2,713 | $255 | 10% |
| West Virginia | Erie Insurance | $3,583 | $4,152 | $570 | 16% |
| West Virginia | Nationwide | $3,883 | $4,444 | $561 | 14% |
| West Virginia | State Farm | $4,315 | $4,632 | $317 | 7% |
| West Virginia | GEICO | $4,074 | $8,678 | $4,604 | 113% |
| West Virginia | Progressive | $8,849 | $9,629 | $781 | 9% |
| West Virginia | Allstate | $10,537 | $12,028 | $1,492 | 14% |
| West Virginia | Farmers | $7,926 | $15,070 | $7,144 | 90% |
| West Virginia | USAA | $4,306 | $5,439 | $1,133 | 26% |
| Wyoming | American National | $2,185 | $2,506 | $321 | 15% |
| Wyoming | State Farm | $4,164 | $4,503 | $340 | 8% |
| Wyoming | Farmers | $3,836 | $5,589 | $1,753 | 46% |
| Wyoming | GEICO | $5,910 | $8,092 | $2,182 | 37% |
| Wyoming | Allstate | $8,943 | $10,634 | $1,691 | 19% |
| Wyoming | USAA | $3,568 | $3,743 | $175 | 5% |
What to do if you receive a speeding ticket
Even one speeding ticket will raise your insurance. 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 |
|---|---|---|
| Average annual cost before speeding ticket | $1,895 | $158 |
| Speeding ticket 1-10 mph over the limit | $2,458 | $205 |
| Speeding ticket 11-29 mph over the limit | $2,617 | $218 |
| Speeding ticket 30+ mph over the limit | $2,816 | $235 |
When will a speeding ticket show up on my insurance?
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, you want to be 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.
Multiple speeding tickets can double your rateIf 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
If you want to avoid overpaying for car insurance after a speeding ticket, here are a few tips:
- 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.
How many points get added to your record for a speeding ticket?
Points are added to your driver’s license every time you get 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 a point-based structure to record violations like speeding.
The number of points for speeding varies widely:
- 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 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.
How much will two points affect my insurance?
Two points on your driving record typically cause a 20% to 50% increase in premiums, 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 raise your premiums by 50% to 100%, depending on your insurer and state.
- Serious violations (like reckless driving, excessive speeding, or DUI) that carry four points in a single incident may increase rates by 100% to 200% — and in extreme cases, even more.
FAQs
Will one speeding ticket affect insurance premiums?
In general, yes, one speeding ticket will affect insurance. But how much will one speeding ticket affect insurance? You should expect an increase at your next renewal after a ticket. However, some insurance companies do not increase insurance rates after one ticket, depending on how fast you are 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 before each renewal, your insurance company will check your driving history through your state’s Department of Motor Vehicles. 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 the insurance company and state you live in. But, generally, speeding tickets should fall off your driver’s license and insurance costs within three to five years.
Key takeaways 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, California, Michigan and Florida you can expect increases of 40% to 101% after a speeding ticket.
In addition to the rate increase resulting from a speeding ticket, you may also lose safe driving discounts, increasing your rate even more. The speeding ticket will show up for around three years, which means that one lapse in judgment on the road can result in years of increased 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
- U.S. Department of Transportation NHTSA. “Risky Driving: Speeding.” Accessed May 2025.
- NOLO. “Driver’s License Point Systems.” Accessed May 2025.
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 carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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