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Your car insurance rates will go up 22% to 30%, on average, after a speeding ticket, according to a CarInsurance.com rate analysis identifying how much speeding tickets increase car insurance costs.

Car insurance rates after a speeding ticket

How much more you'll pay for car insurance after a speeding ticket depends on a variety of factors, how fast you were driving, your state, your insurance company and your driving record are chief among them. In general though, you can expect to pay about $290 more a year once you've been cited for speeding.

How much car insurance goes up for a speeding ticket in every state

A 2020 rate analysis by CarInsurance.com shows that the following states are the most expensive for speeding tickets, in terms of how much more you pay for coverage after a violation.

Speeding 11 to 16 mph over the limit:

  • Michigan
  • California
  • Florida
  • North Carolina
  • Louisiana
  • Wyoming
  • Mississippi
  • Oklahoma
  • Rhode Island
  • Alabama

Below you'll see the increase to rates by state, both as a percentage hike and the dollar amount, on average.

Enter your state in the search field below to find out how much more you can expect to pay.

State % Increase 11 to 16 mph Over $ Increase % Increase 16 to 29 mph Over $ Increase % Increase 30 mph Over $ Increase
Alaska19%$23919%$23919%$239
Alabama28%$37028%$37038%$498
Arkansas20%$31620%$31643%$675
Arizona25%$34627%$37427%$374
California34%$60534%$60534%$605
Colorado19%$31219%$31219%$312
Connecticut17%$33617%$33630%$599
DC15%$27515%$27531%$588
Delaware18%$32521%$39150%$918
Florida27%$60231%$69246%$1,043
Georgia17%$30327%$48659%$1,064
Hawaii10%$13010%$13010%$130
Iowa17%$18519%$20019%$200
Idaho30%$30130%$30130%$301
Illinois20%$23620%$23620%$236
Indiana24%$25224%$25226%$277
Kansas16%$22416%$22416%$224
Kentucky15%$24630%$47853%$852
Louisiana21%$46221%$46221%$462
Massachusetts20%$31920%$31920%$319
Maryland18%$27318%$27318%$273
Maine15%$13619%$16519%$165
Michigan29%$69643%$1,01070%$1,666
Minnesota22%$29027%$36227%$362
Missouri10%$12511%$13611%$136
Mississippi29%$44229%$44244%$657
Montana8%$12612%$19512%$195
North Carolina50%$58350%$58350%$583
North Dakota21%$23721%$23721%$237
Nebraska28%$36328%$36328%$363
New Hampshire23%$26723%$26746%$531
New Jersey17%$24126%$37332%$455
New Mexico19%$28319%$28319%$283
Nevada20%$31621%$33929%$460
New York12%$14618%$21918%$219
Ohio21%$20027%$26238%$361
Oklahoma30%$43630%$43630%$436
Oregon20%$26320%$26329%$378
Pennsylvania9%$1349%$1349%$134
Rhode Island21%$42121%$42128%$554
South Carolina16%$21016%$21030%$412
South Dakota18%$22418%$22418%$224
Tennessee15%$20315%$20334%$454
Texas15%$25215%$25215%$252
Utah18%$22018%$22018%$220
Virginia20%$19820%$19831%$305
Vermont14%$16314%$16329%$342
Washington19%$25019%$25019%$250
Wisconsin16%$17925%$28325%$283
West Virginia15%$22019%$27747%$689
Wyoming28%$44328%$44328%$443

 

CarInsurance.com commissioned Quadrant Information Services to field rates from up to six major insurers in 10 ZIP codes in every state for a driver of a 2017 Honda Accord, age 40, with good credit and full coverage and $500 deductible; increases shown are an average from the base rate.

 

Cheapest car insurance company for speeding tickets

The exact increase you see for speeding will depend on your state laws, how fast you were driving, your driving record and your insurance company. In part, that's because car insurance companies treat traffic tickets differently -- they each assess risk using their own calculations. For example, CarInsurance.com data below show how much rates increase, on average, among six top insurers for a ticket speeding 16 to 29 miles over the limit:

  • Nationwide – 19%
  • Allstate – 20%
  • Farmers – 24%
  • State Farm – 27%
  • Progressive – 31%
  • Geico – 31%

It's important to remember that in addition to paying higher rates, you may also lose a safe-driver discount. Here is one real-life example:

  • According to a CarInsurance.com study, the average car insurance policy in California costs $1,783 a year.
  • If you have a clean driving record, then most California companies offer a discount. That discount is typically a 25% savings ($446). So, using these averages, a driver with a clean driving record is paying $1,337 a year for car insurance.
  • One speeding ticket could remove that discount and increase your rate by 34%. That is a $605 increase a year, or $1,815 over three years; companies usually surcharge for three to five years.

When will my rate go up? Should I shop for a new policy after a ticket?

Typically, your rate won't be increased until the renewal of your policy, because that's when your insurance company reviews your driving record. Since chances are good that your rates won't go up until renewal, it may be wise to stick with your insurance company until your policy is a few months from expiring. But then it makes sense to shop around. Some insurers will still offer a low rate to drivers with a spotty driving record, while others will raise rates significantly -- each assess risk using its own calculations. If you've experienced a rate hike, you can still save money by doing a car insurance comparison to see who has the lowest cost.

Multiple speeding tickets can double your car insurance increase

If you get multiple speeding tickets within three years, you may be classified as a "high-risk driver," and therefore pay much higher rates than if you were cited just once for exceeding the limit. For instance, you'll pay an average of 43% more after two speeding tickets, which is nearly twice the amount for one ticket, according to CarInsurance.com's data. 

Busted for speeding: Should you lawyer up?

A 2020  CarInsurance.com survey found that some speeding excuses drivers give cops to prevent tickets are more successful than others. Among them, claiming you didn't realize you were speeding. If your excuse didn't work, and you want to fight the ticket, our survey also provides information on how much drivers spent on traffic lawyers to help appeal their case, and if they felt it was worthwhile.