Here we’ll explain how to get the best, cheap car insurance after a speeding ticket on the streets of New York City. You’ll also learn how much you can still save even with a speeding citation by comparing car insurance quotes.
Who has the best cheap car insurance for speeding in New York City?
Geico has the cheapest car insurance for New York City drivers with a speeding ticket, among the carriers surveyed by CarInsurance.com.
Though rates may increase after a speeding ticket, you can still save on New York car insurance coverage by doing a car insurance comparison. No two insurers will have the same price for a policy because each company uses its own unique formula to determine what you pay.
You’ll see in the table below how car insurance companies compare for rates after a ticket for going 16 to 29 miles over the speed limit in New York City. When broken down by company, rates range from $2,619 to $1,499, a difference of $1,120. That’s how much you can potentially save, and why it’s important to compare auto insurance quotes after a moving violation. Also, note that while Geico had the lowest rate after the speeding citation, it had the highest percentage increase. State Farm had the lowest percentage increase.
|Company||Average rate||Rater after ticket||$ increase||% increase|
The rates shown are for a full coverage policy of 100/300/50. That means you’d have the following pay out limits for a claim resulting from an accident that’s your fault:
- $100,000 per person for injuries you cause to others in an accident that’s your fault
- $300,000 per accident
- $50,000 for damage you cause to other cars or property
- Comprehensive and collision insurance, to cover damage to your car from weather and accidents, up to the actual cash value, minus a $500 deductible
Regardless of whether you have driving violations or not, Senior Consumer Analyst Penny Gusner recommends the above limits, or better yet, 100/300/100. The cost of even a minor accident can exceed payouts you’d get from a bare-bones policy with lower limits. That’s why the best cheap car insurance you can get after a traffic violation is a policy with these coverage amounts, at the lowest price.
How much does insurance go up after a speding ticket in New York City?
Among companies surveyed in CarInsurance.com’s rate analysis, speeding violation for going 16 to 30 or more miles over the limit increases rates by 31%, or $401, a year, on average for New York City drivers. For speeding up to 15 miles over the limit, rates go up an average of 21%, or $275 yearly.
Insurance hikes for minor speeding tickets in New York City are in line with the national average, which is about 20 to 30 percent. This translates into an increase of roughly $280 to $430 a year.
Tips for getting the best cheap car insurance after a speeding ticket
CarInsurance.com Senior Consumer Analyst Penny Gusner and other experts explain below how to get the best, cheap car insurance in New York City after a speeding violation.
- Shop your coverage: This is probably the best way to lower your rate. Insurers rate risk differently and this can result in dramatic differences in premium quotes. "Shop at least five different insurance companies to see if you can find a better rate," advises Gusner. "Always make sure you are comparing apples to apples when it comes to coverage levels and deductibles."
- Defensive driving course: Even if you couldn't take a defensive driving course to get the ticket off your driving record, you may be able to take one to lower your premium. Many insurers will let you take a defensive driving course to earn a discount on your insurance. The discount amount will vary so contact your insurer for details and a list of approved courses. New York’s Point and Insurance Reduction Program (PIRP) allows you to take a defensive driving course to receive a discount or have four points taken out of the calculations made when determining a license suspension. That’s to say four points are 'subtracted' for the purposes of calculating a suspension if you have 11 or more points, but the tickets/points do not physically come off your driving record. "Taking a defensive driving course will defer your ticket and once you have provided proof you have passed the course the ticket will be dismissed or marked as 'adjudication withheld,’" which means your insurer will be none the wiser," says Gusner. There are fees involved for the class and usually an administrative court fee as well.
- Ask for a deferral: This means that the court finds you guilty but will defer entering those findings for a specific amount of time. In most areas, one year is common. If you stay ticket free for the deferral period, the ticket will be dismissed. On the other hand, if you get another ticket in the deferral period, both tickets will hit your driving record and your insurance rates will be headed sky-high. There is usually a fee attached to a deferral. It varies by jurisdiction but $100 to $150 is common.
- Go to court: Even if you feel the ticket is justified, it almost never hurts to go to court. You may end up with a reduced fine or keep the points from hitting your driving record. According to the National Motorists Association, only 5% of people fight a ticket. Going to court will usually increase your chances of lowering or eliminating the financial penalty as well as up the odds the points will not hit your license, according to Sheila Dunn, communications director of the National Motorists Association (NMA). "It's much more common for a fine to be reduced at trial, even if the defendant is found guilty," says Dunn. Though you’ll have to pay for your legal fees, it may still be lower than the increased car insurance rate you pay for the three or so years the infraction stays on your record.
- Raise your deductible: This is a great way to lower your premium, as long as you can afford it. Doubling your deductible should result in a significant discount on your premium. Always choose a deductible that you can easily afford in case you have to make a claim.
- Discounts: Insurers offer numerous discounts and they will all help lower your insurance rate. Make sure you are getting all discounts you are qualified to receive by asking your agent to do a discount review.
How long will a speeding ticket stay on my record in New York?
In New York, a traffic violation generally stays on your record for three years. The associated driver points for tickets such as speeding stay on your record for 18 months. If you get 11 points in an 18-month period, your license will be suspended. You must be convicted of the traffic violation before points are added to your driving record, but the point total is calculated based on the date of the violation, not the date of the conviction.
It’s important to remember that insurance companies review your driver record, and points, but use their own system for deciding how much of a risk you are and how much you should pay for coverage. Once 18 months have passed from the violation date, the points for that violation no longer count toward your total. However, the points remain on your driving record as long as the conviction remains on your record, and may be used by your insurance company to increase premiums.
Points for driving citations are as follows:
- 1 to 10 mph over speed limit – 3 points
- 11 to 20 mph over speed limit – 4 points
- 21 to 30 mph over speed limit – 6 points
- 33 to 40 mph over speed limit – 8 points
- Over 40 mph – 11 points
When will my insurance go up for a speeding ticket?
In addition to your driving record you have to worry about your insurance record. Insurance companies keep their own set of records and use that data to set your premium. A speeding ticket (unless you are going super-fast) usually falls into the minor infraction category with insurance companies, but it will usually impact your rates for about three years.
This can vary depending on your insurance company so it is always a good idea to check with your agent on how long your insurer will surcharge (raise your rates) for a speeding ticket.
In most cases, your premiums will not be headed up immediately, insurers are not typically notified about speeding tickets but often pull your driving record at renewal time looking for changes. Once they spot the ticket, your premium is going up, most likely.
"You may get lucky if it's the only ticket on your record," says Gusner. "Some insurers cut drivers a bit of slack and won't surcharge on a minor violation."
However, if you already have a ticket on your record your rates are absolutely headed up and in many cases the increase will be major. "You really don't want a second moving violation on your record during your insurance company's look-back period,” says Gusner. "More than one ticket is considered a pattern of risk and insurers don't like risky drivers."
Survey: Top excuses for speeding
The best way to keep your premium affordable is to avoid the ticket in the first place. Asking for a warning instead of a ticket, may work. CarInsurance.com surveyed 1,000 drivers about their speeding habits, as well as what excuses they used to get out of a ticket.
Forty-one percent of those surveyed said they asked for a warning, and got it. Half of the drivers avoided speeding tickets after giving an excuse to a police officer. The most common reason: “I didn’t know I was speeding.”
While throwing out an excuse worked for those surveyed, it probably wasn't the only reason they got a warning. "Excuses don't usually work, your best bet is to just accept responsibility and apologize," advises Ashley Patrick, a former police officer in Mooresville, North Carolina for more than 10 years, and the founder of Budgets Made Easy. "Just be personable, nice and make small talk. Take responsibility for your actions and be pleasant to the officer. You may be the only person that is nice to him or her that day and it will mean a lot."
However, if you are going to use an excuse, she recommends going the sick route. "I would try my kid is sick or I'm sick", says Patrick.
On the other hand, Patrick advises you to skip name dropping any other officers you know, as well as suggesting law enforcement resources could be more effectively used, for instance, by saying things such as, “Why don’t you go catch a real criminal?”
Here are the top seven reasons people used to explain their speeding according to the CarInsurance.com survey:
- 24% claimed they didn't realize they were speeding.
- 18% said they were late for work.
- 14% remarked they were going as fast as everyone else.
- 11% blamed being late to pick up or drop off a child.
- 11% told police there was a medical emergency.
- 11% said they didn't see the speed limit sign.
- 9% offered that they had to use the bathroom.