Radar detectorsIn most states you can use a radar detector for personal use to avoid speeding tickets, and there’s really not much your car insurance company can do about it.

A radar detector alerts the driver when it picks up signals emitted by radar equipment that police use to catch speeders. The idea is for the warning to sound before the cop points the radar gun at you.

Ranging in price from about $35 to more than $500, even a pricey model would more than pay for itself if it kept you from getting a ticket and a subsequent hike in your car insurance rates.

Like any high-tech gizmo, radar detectors have gotten more sophisticated. Using GPS technology, some of today’s detectors can calculate how fast you’re going and then adjust their sensitivity to radar signals accordingly. You need long-range sensitivity when you’re going fast and shorter-range sensitivity in town.

Some radar detectors provide digital voice alerts, and some can detect laser as well as radar signals. Now that local governments are using speed and red-light cameras, some models come loaded with information about the camera locations, which you can update using a computer and Internet connection. Many of today’s radar detectors also work in conjunction with smartphone apps.

author-img
Written by:
Prachi Singh
Contributing Writer
Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
author
Reviewed by:
Laura Longero
reviewer icon
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

Beware that radar detectors are prohibited in Virginia and the District of Columbia, as well as on U.S. military bases. In Canada, they are prohibited in Manitoba, New Brunswick, Newfoundland and Labrador, the Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island and Quebec.

In addition, 20 states besides Virginia and the District of Columbia prohibit using radar detectors in commercial vehicles.

If you’re ticketed for unlawful use of a radar detector as a non-commercial driver, you’ll face a fine of up to $300 in the District of Columbia. In Virginia, you’ll pay about $100. In Fairfax County, for instance, the fine is $40, and the processing fee is $62.

The offense is not a moving violation, and no demerit points are assigned for a violation in D.C. or Virginia. As a result, a ticket for unlawful use of a radar detector would not impact your car insurance rates, CarInsurance.com experts say.

Since police began using radar guns, law enforcement and radar detector manufacturers have engaged in a cat-and-mouse game. To combat the illegal use of radar detectors, law enforcement developed “radar detector detectors.” These devices do what their name says. They detect signals emitted by radar detectors and alert police when one is in use. Now many radar detectors are built to shield themselves from detection by the most common type of radar detector-detector technology, VG-2. Another type of radar detector-detector technology called Spectre was developed, which was supposed to be harder to escape. But some new radar detectors offer to shield from Spectre as well.

Not surprisingly, traffic safety advocates don’t like radar detectors. The Insurance Institute for Highway Safety says its research has shown that interstate highway drivers with radar detectors slowed down by at least 5 mph or stepped on the brakes when exposed to police radar. Beforehand, the drivers with radar detectors were traveling faster than drivers without them. After one mile past the radar, the drivers with detectors were going at least 5 mph faster than the speed limit.

“Research shows that drivers with radar detectors are consistently overrepresented among the fastest speeders,” the institute says on its website.

Radar detectors and your car insurance

Insurance companies base premiums partly on what kind of car you drive but generally wouldn’t know whether you owned a radar detector.

“Radar detector owners generally need not identify themselves to an auto insurer,” Michael Barry, Chief Communication Officer and Head of Media Relations and Public Affairs at the Insurance Information Institute says.

Experts at CarInsurance.com say that none of the insurers they have run across ask applicants whether they use radar detectors.

Geico made headlines in the late 1980s when it fought for the right to deny coverage to drivers who used radar detectors. A Maryland Geico customer whose policy was canceled because he used a radar detector took his complaint to the state’s insurance commissioner. The commissioner ruled in 1988 that Geico could no longer deny coverage on that basis. The next year Geico dumped a policyholder in California for having a radar detector, and the California Department of Insurance ordered the insurer to offer to renew the policy.

Radar detector or not, it’s a good idea to slow down to the speed limit. For more than two decades, speed has been a factor in almost one-third of fatal car crashes, according to the National Highway Traffic Safety Administration.

And a speeding ticket will cost you big bucks by the time you pay the penalty plus all the related fees and fines. In Riverside County, California, for instance, the penalty for going 1 to 15 mph over the speed limit is $35, but the total tab, once all the other charges are added, is $233. You pay $362 for traveling 16 to 25 mph over the limit and $485 for exceeding the limit by at least 26 mph. In some states, the penalties are stiffer. In North Carolina, for instance, the penalty for “excessive speeding” is a mandatory 30-day driver’s license suspension.

On top of ticket charges, you’ll pay more for car insurance. A minor speeding ticket might be ignored if it’s your first ticket. Or, it might prompt a 10% to 15% surcharge. A second speeding ticket or a first ticket for major speeding will increase your rates from 20% to 40%. Insurers see speeding as a red flag signaling greater risk, so they raise rates to protect their bottom line.

Barbara Marquand contributed to this story.

Resources & Methodology

Sources

III. “About us.” Accessed January 2023.

NHTSA. “Speeding.” Accessed January 2023.

DrivingLaws. “California’s speeding laws and penalties.” Accessed January 2023.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

Please Enter Valid Question. Min 50 to max 250 characters are allowed. Only (& ? , .) charcters are allowed.
Please Enter Valid Email.
Error: Security check failed
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later.
Get quotes near you!
Please enter valid zip
author image
Contributing Writer

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.