You’re cruising down the road when you notice flashing lights behind you. Slowing down, you realize — you’re over the speed limit. While it may not feel as dangerous as weaving in and out of lanes or following too closely, speeding is one of the riskiest behaviors that drivers engage in regularly.

According to the latest available data from the National Highway Traffic Safety Administration (NHTSA), speeding contributed to 29% of all traffic fatalities in 2023, leading to 11,775 deaths—that’s an average of more than 32 deaths every day.

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 hike.

Learn more about how one or more speeding tickets impact your car insurance premiums, which states see the sharpest spikes and insurers that offer the cheapest rates.

Key Highlights
  • One speeding ticket could increase your rate by an average of 19%- 64% at your next renewal.
  • Hawaii insurance rates could go up by 101% after you receive a speeding ticket.
  • State Farm, Allstate and Progressive have the lowest car insurance premium increases after a speeding ticket.136% at your next renewal.

Do speeding tickets affect insurance costs?

Speeding tickets negatively impact your car insurance premiums. Insurers determine your driving risk based on personal factors, including moving violations.

How much more you’ll pay for car insurance after a speeding ticket depends on factors such as how fast you were driving, your state, your insurance company and your driving record.

Typically, people ask if a speeding ticket affects their insurance. But they should be asking: How much will a speeding ticket increase my insurance rates?

The reality is that drivers should expect to see higher costs after a speeding ticket, even if the exact increase varies.

According to CarInsurance.com data, if you were cited for speeding, you can expect to pay anywhere from $300 to $1,136 more per year.

When will a speeding ticket show up on insurance?

Generally, a speeding ticket won’t immediately impact your insurance costs. After all, most drivers choose a policy on an annual or semi-annual basis. But expect higher costs the next time you shop for an insurance policy. 

For example, you might have recently paid for car insurance coverage for a full year. During that year’s term, your insurance costs won’t change. But when you renew your policy, you’ll likely face significantly higher insurance costs.

How much does a speeding ticket raise insurance in every state?

Car insurance costs vary from state to state, which means how much a speeding ticket increases your insurance premiums varies based on where you live. 

These are the states where speeding will result in the highest premium increases—from Hawaii, with an increase of $1,533 at No. 1, to Arkansas, with an increase of $887.

Here are the states listed in order for speeding ticket increases:

  • Hawaii
  • California
  • Michigan
  • Florida
  • New Jersey
  • Kentucky
  • Colorado
  • Louisiana
  • Rhode Island
  • Arkansas

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

StateRates before speeding ticketRates 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 for speeding tickets

After receiving a speeding ticket, shopping around for the cheapest car insurance rates may be a good idea. While car insurance rates are likely to increase after a speeding ticket, how much it goes up depends on the state you reside in and your insurer.

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 GEICO (64%).

The data table below shows how much rates increase, on average, among the six top insurers for a ticket, according to CarInsurance.com’s data. While State Farm is the most affordable at a 19% increase, GEICO is the most expensive at 64%.

CompanyRates before speeding ticketRates after speeding ticket$ difference% increase
Allstate$2,509$3,122$61324%
Farmers$2,387$3,430$1,04444%
GEICO$1,763$2,899$1,13664%
Nationwide$1,548$2,352$80452%
Progressive$1,998$2,656$65833%
State Farm$1,984$2,357$37319%
Travelers$1,606$2,417$81150%
USAA*$1,381$1,681$30022%

*USAA offers its services only to military members and their families. 

How much does insurance go up after a ticket for a teenager?

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 29% for most teen speeders. 

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 speedingRates after speeding$ difference% difference
AlaskaState Farm$4,826$5,158$3327%
AlaskaGEICO$4,013$6,317$2,30557%
AlaskaAllstate$5,481$6,546$1,06619%
AlaskaProgressive$6,603$7,257$65410%
AlaskaUSAA$2,968$3,419$45115%
AlabamaTravelers$3,828$5,067$1,23832%
AlabamaState Farm$4,637$5,079$44210%
AlabamaNationwide$4,925$6,177$1,25125%
AlabamaAuto-Owners$5,409$7,272$1,86234%
AlabamaGEICO$3,790$7,709$3,918103%
AlabamaAllstate$6,867$7,837$97014%
AlabamaProgressive$10,835$11,689$8548%
AlabamaFarmers$10,763$16,988$6,22458%
AlabamaUSAA$3,370$3,598$2297%
ArkansasTravelers$3,408$5,027$1,61847%
ArkansasState Farm$5,408$5,817$4098%
ArkansasNationwide$5,294$6,154$85916%
ArkansasGEICO$5,149$8,099$2,95057%
ArkansasProgressive$11,262$12,467$1,20511%
ArkansasAllstate$10,693$12,903$2,21121%
ArkansasFarmers$8,986$15,113$6,12868%
ArkansasUSAA$3,064$3,410$34611%
ArizonaGEICO$3,027$5,097$2,07168%
ArizonaTravelers$4,178$5,850$1,67240%
ArizonaState Farm$6,193$6,642$4497%
ArizonaNationwide$6,315$7,301$98616%
ArizonaAuto-Owners$4,137$8,121$3,98496%
ArizonaAllstate$7,477$8,344$86712%
ArizonaProgressive$8,622$9,744$1,12313%
ArizonaFarmers$10,089$13,940$3,85138%
ArizonaCSAA Insurance (AAA)$11,644$14,643$3,00026%
ArizonaUSAA$5,819$7,712$1,89333%
CaliforniaGEICO$4,969$5,693$72415%
CaliforniaMercury Insurance$5,073$6,706$1,63332%
CaliforniaState Farm$4,948$7,492$2,54451%
CaliforniaAllstate$6,198$7,496$1,29921%
CaliforniaTravelers$5,144$7,574$2,43147%
CaliforniaProgressive$6,878$8,929$2,05130%
CaliforniaAuto Club Enterprises (AAA)$6,286$8,955$2,66942%
CaliforniaFarmers$7,021$9,282$2,26132%
CaliforniaCSAA Insurance (AAA)$8,279$12,198$3,91847%
CaliforniaNationwide$9,078$13,261$4,18346%
CaliforniaUSAA$4,140$5,074$93423%
ColoradoState Farm$4,784$5,177$3938%
ColoradoAllstate$5,479$6,137$65812%
ColoradoAuto-Owners$6,012$7,272$1,25921%
ColoradoKemper$5,379$7,545$2,16640%
ColoradoGEICO$4,309$7,820$3,51281%
ColoradoProgressive$11,673$12,729$1,0579%
ColoradoFarmers$12,053$18,271$6,21852%
ColoradoUSAA$4,236$4,714$47811%
ConnecticutState Farm$4,817$5,200$3848%
ConnecticutGEICO$4,450$5,742$1,29229%
ConnecticutKemper$5,033$7,609$2,57751%
ConnecticutNationwide$6,297$7,859$1,56225%
ConnecticutProgressive$7,165$7,933$76711%
ConnecticutAmica$7,913$10,150$2,23728%
ConnecticutThe Hanover$10,487$12,911$2,42423%
ConnecticutFarmers$10,095$14,599$4,50445%
ConnecticutUSAA$1,770$1,867$965%
Washington, D.C.Erie Insurance$3,075$3,765$69022%
Washington, D.C.Chubb$6,688$7,070$3836%
Washington, D.C.State Farm$6,935$7,496$5618%
Washington, D.C.GEICO$4,321$8,436$4,11595%
Washington, D.C.Allstate$10,102$12,007$1,90519%
Washington, D.C.Progressive$12,190$13,184$9948%
Washington, D.C.USAA$3,305$3,739$43413%
DelawareNationwide$5,065$5,710$64513%
DelawareState Farm$6,015$6,625$61110%
DelawareGEICO$4,465$7,111$2,64759%
DelawareAmerican Family$7,887$8,596$7089%
DelawareProgressive$9,775$11,442$1,66717%
DelawareAllstate$11,130$12,770$1,64015%
DelawareTravelers$9,842$13,634$3,79239%
DelawareSentry Insurance$11,822$16,452$4,63139%
DelawareUSAA$4,351$4,975$62314%
FloridaState Farm$5,190$5,649$4609%
FloridaGEICO$5,948$7,624$1,67528%
FloridaProgressive$7,201$7,898$69610%
FloridaNationwide$7,457$8,507$1,05014%
FloridaNational General$7,513$9,167$1,65422%
FloridaTravelers$6,670$9,507$2,83743%
FloridaMercury Insurance$11,432$12,415$9829%
FloridaFarmers$12,152$19,011$6,85956%
GeorgiaAuto-Owners$3,903$5,287$1,38435%
GeorgiaCountry Financial$4,274$5,879$1,60538%
GeorgiaState Farm$6,321$6,815$4948%
GeorgiaGEICO$5,677$6,949$1,27222%
GeorgiaAllstate$6,412$7,497$1,08417%
GeorgiaProgressive$8,031$8,970$94012%
GeorgiaMercury Insurance$9,896$10,914$1,01710%
GeorgiaUSAA$3,922$4,493$57115%
HawaiiFarmers$1,495$1,809$31421%
HawaiiState Farm$1,938$2,123$18410%
HawaiiProgressive$1,865$2,353$48826%
HawaiiAllstate$1,882$2,625$74239%
HawaiiIsland Insurance$1,771$9,307$7,536425%
HawaiiUSAA$1,115$1,167$525%
IowaState Farm$3,170$3,439$2698%
IowaTravelers$3,233$4,409$1,17636%
IowaProgressive$4,146$4,633$48812%
IowaAllstate$5,661$6,366$70612%
IowaAuto-Owners$3,454$6,500$3,04588%
IowaGEICO$4,306$7,119$2,81365%
IowaUSAA$2,730$3,449$71926%
IdahoState Farm$3,078$3,339$2618%
IdahoAuto-Owners$2,522$3,612$1,09043%
IdahoGEICO$3,575$4,395$81923%
IdahoTravelers$3,283$4,508$1,22537%
IdahoNationwide$5,001$5,812$81116%
IdahoAllstate$7,140$8,526$1,38619%
IdahoFarmers$7,667$10,672$3,00639%
IdahoUSAA$3,830$5,647$1,81647%
IllinoisErie Insurance$3,105$3,621$51617%
IllinoisAuto Club Group – ACG (AAA)$3,002$3,752$74925%
IllinoisTravelers$3,199$4,212$1,01332%
IllinoisState Farm$4,413$4,743$3307%
IllinoisProgressive$4,540$5,399$85819%
IllinoisAuto-Owners$3,386$5,850$2,46373%
IllinoisGEICO$3,686$6,008$2,32263%
IllinoisAllstate$6,893$9,328$2,43535%
IllinoisUSAA$5,715$8,162$2,44743%
IndianaAuto-Owners$2,998$4,608$1,61054%
IndianaState Farm$4,408$4,806$3989%
IndianaTravelers$3,640$4,954$1,31436%
IndianaNationwide$4,567$5,350$78417%
IndianaProgressive$4,355$6,208$1,85343%
IndianaGEICO$2,908$6,293$3,385116%
IndianaAllstate$4,801$6,433$1,63234%
IndianaFarmers$7,411$12,156$4,74564%
IndianaUSAA$1,691$2,169$47828%
KansasNationwide$3,774$4,269$49513%
KansasTravelers$3,694$4,665$97126%
KansasState Farm$4,793$5,080$2876%
KansasGEICO$5,025$6,176$1,15123%
KansasFarmers$6,337$7,160$82313%
KansasProgressive$8,110$8,784$6748%
KansasAllstate$10,366$11,822$1,45614%
KansasUSAA$3,537$4,428$89125%
KentuckyTravelers$4,771$6,746$1,97541%
KentuckyAuto-Owners$4,937$6,779$1,84337%
KentuckyGEICO$5,830$7,316$1,48625%
KentuckyState Farm$7,107$7,640$5338%
KentuckyProgressive$10,498$11,459$9619%
KentuckyKentucky Farm Bureau$4,967$12,040$7,073142%
KentuckyAllstate$10,378$12,903$2,52524%
KentuckyFarmers$13,216$24,326$11,11084%
KentuckyUSAA$4,775$6,218$1,44330%
LouisianaSouthern Farm Bureau$3,967$4,531$56414%
LouisianaSafeway Insurance$8,340$8,502$1612%
LouisianaState Farm$9,125$9,844$7208%
LouisianaProgressive$12,297$13,176$8797%
LouisianaAuto Club Enterprises (AAA)$10,378$15,314$4,93548%
LouisianaGEICO$10,627$18,220$7,59371%
LouisianaFarmers$10,815$18,917$8,10275%
LouisianaUSAA$4,188$5,478$1,29131%
MassachusettsTravelers$4,444$5,902$1,45833%
MassachusettsProgressive$6,465$7,241$77512%
MassachusettsFarmers$7,163$7,487$3235%
MassachusettsUSAA$3,634$4,002$36710%
MarylandErie Insurance$3,711$4,523$81222%
MarylandNationwide$4,728$5,288$56012%
MarylandProgressive$5,033$5,493$4609%
MarylandGEICO$4,450$5,675$1,22528%
MarylandTravelers$4,340$6,354$2,01346%
MarylandKemper$4,682$6,550$1,86840%
MarylandState Farm$6,080$6,562$4838%
MarylandAllstate$9,802$11,300$1,49815%
MarylandUSAA$3,097$3,561$46415%
MaineAuto-Owners$1,634$1,881$24715%
MaineAllstate$2,729$3,098$36914%
MaineTravelers$2,266$3,220$95442%
MaineState Farm$3,517$3,814$2978%
MaineGEICO$3,678$4,483$80522%
MaineFrankenmuth Insurance$4,444$5,717$1,27329%
MaineProgressive$5,882$6,533$65111%
MaineFarmers$8,077$11,394$3,31741%
MaineUSAA$2,318$2,486$1687%
MichiganAuto-Owners$3,610$5,175$1,56543%
MichiganGEICO$3,467$7,464$3,998115%
MichiganProgressive$8,442$8,830$3885%
MichiganAuto Club Group – ACG (AAA)$6,061$8,852$2,79046%
MichiganState Farm$9,735$15,271$5,53657%
MichiganUSAA$3,999$5,017$1,01825%
MinnesotaState Farm$3,664$4,021$35710%
MinnesotaNationwide$4,091$4,532$44111%
MinnesotaAuto-Owners$3,438$4,601$1,16234%
MinnesotaTravelers$3,792$5,176$1,38436%
MinnesotaAuto Club Group – ACG (AAA)$5,376$7,457$2,08139%
MinnesotaAllstate$6,103$8,797$2,69344%
MinnesotaGEICO$6,874$9,326$2,45236%
MinnesotaUSAA$3,405$3,862$45713%
MissouriTravelers$3,801$4,998$1,19731%
MissouriNationwide$4,452$5,445$99222%
MissouriState Farm$5,031$5,514$48310%
MissouriAllstate$6,183$7,349$1,16519%
MissouriProgressive$6,795$7,673$87813%
MissouriGEICO$7,740$8,697$95812%
MissouriAuto Club Enterprises (AAA)$8,252$12,765$4,51455%
MissouriUSAA$2,584$2,930$34613%
MississippiNationwide$3,849$4,536$68718%
MississippiState Farm$4,488$4,897$4089%
MississippiTravelers$4,274$5,969$1,69440%
MississippiShelter Insurance$6,370$7,759$1,38922%
MississippiGEICO$6,813$8,374$1,56123%
MississippiAllstate$8,540$9,739$1,19914%
MississippiProgressive$10,434$11,532$1,09811%
MississippiUSAA$3,279$3,771$49215%
MontanaState Farm$4,557$4,854$2977%
MontanaProgressive$6,450$7,608$1,15918%
MontanaGEICO$7,284$8,953$1,66923%
MontanaKemper$8,149$9,411$1,26215%
MontanaAllstate$8,880$10,216$1,33615%
MontanaFarmers$8,771$13,827$5,05658%
MontanaUSAA$2,894$3,285$39114%
North CarolinaErie Insurance$2,199$2,926$72733%
North CarolinaState Farm$2,462$3,049$58724%
North CarolinaNorth Carolina Farm Bureau$2,594$3,137$54321%
North CarolinaNationwide$3,168$3,800$63220%
North CarolinaGEICO$3,648$3,956$3088%
North CarolinaProgressive$3,966$4,743$77720%
North CarolinaFarmers$3,966$4,768$80220%
North CarolinaAllstate$7,293$9,466$2,17330%
North DakotaAmerican Family$2,414$3,234$82134%
North DakotaNationwide$3,347$3,983$63619%
North DakotaState Farm$4,383$4,691$3087%
North DakotaAuto-Owners$3,789$4,945$1,15530%
North DakotaProgressive$6,980$7,397$4176%
North DakotaGEICO$6,724$8,690$1,96629%
North DakotaAllstate$8,699$10,155$1,45617%
North DakotaFarmers$7,785$10,990$3,20641%
North DakotaUSAA$3,134$3,951$81726%
NebraskaNationwide$3,766$4,148$38210%
NebraskaAuto-Owners$2,991$4,408$1,41847%
NebraskaState Farm$5,640$6,155$5159%
NebraskaAllstate$6,061$6,853$79213%
NebraskaGEICO$5,975$7,299$1,32422%
NebraskaProgressive$8,340$9,946$1,60619%
NebraskaUSAA$3,607$4,109$50214%
New HampshireAuto-Owners$1,775$2,042$26715%
New HampshireAllstate$4,290$5,039$74917%
New HampshireNationwide$4,384$5,139$75417%
New HampshireGEICO$3,541$6,827$3,28693%
New HampshireProgressive$6,477$7,074$5979%
New HampshireFarmers$7,856$12,625$4,76961%
New HampshireUSAA$3,320$3,870$55017%
New JerseyNJM$3,807$4,751$94425%
New JerseyTravelers$3,815$5,304$1,48939%
New JerseyPlymouth Rock Assurance$6,195$7,859$1,66427%
New JerseyAllstate$6,892$10,082$3,19046%
New JerseyProgressive$10,556$11,359$8038%
New JerseyState Farm$5,763$12,848$7,085123%
New JerseyFarmers$9,664$17,686$8,02383%
New MexicoState Farm$4,274$4,638$3649%
New MexicoIowa Farm Bureau$4,493$5,156$66315%
New MexicoProgressive$5,031$5,576$54511%
New MexicoNationwide$5,493$6,165$67212%
New MexicoGEICO$3,692$6,639$2,94780%
New MexicoAllstate$8,170$9,316$1,14614%
New MexicoKemper$11,587$12,294$7076%
New MexicoFarmers$11,158$14,766$3,60832%
New MexicoUSAA$2,468$3,322$85435%
NevadaState Farm$3,744$4,047$3038%
NevadaAmerican Family$5,497$6,893$1,39725%
NevadaTravelers$5,928$8,510$2,58244%
NevadaMercury Insurance$8,135$9,044$90911%
NevadaGEICO$4,689$9,532$4,843103%
NevadaAllstate$9,061$10,366$1,30514%
NevadaProgressive$10,716$11,943$1,22711%
NevadaFarmers$9,868$12,590$2,72228%
NevadaCSAA Insurance (AAA)$11,013$14,819$3,80735%
NevadaUSAA$4,896$5,312$4168%
New YorkProgressive$2,991$3,155$1645%
New YorkErie Insurance$4,797$6,051$1,25326%
New YorkGEICO$4,626$6,177$1,55134%
New YorkState Farm$5,712$6,299$58710%
New YorkTravelers$6,367$7,855$1,48823%
New YorkAllstate$6,074$7,960$1,88531%
OhioErie Insurance$2,906$3,328$42215%
OhioAuto-Owners$2,865$3,911$1,04737%
OhioTravelers$3,888$5,429$1,54140%
OhioGEICO$2,838$5,556$2,71896%
OhioAllstate$5,121$6,601$1,48029%
OhioProgressive$7,155$8,137$98214%
OhioFarmers$8,015$10,330$2,31529%
OhioUSAA$2,358$3,016$65828%
OklahomaState Farm$4,333$4,621$2897%
OklahomaShelter Insurance$5,647$6,512$86615%
OklahomaProgressive$5,960$6,514$5549%
OklahomaOklahoma Farm Bureau$7,873$9,539$1,66621%
OklahomaMercury Insurance$9,408$10,368$96010%
OklahomaAllstate$9,282$10,633$1,35215%
OklahomaGEICO$5,522$10,832$5,31096%
OklahomaFarmers$10,495$12,844$2,34922%
OklahomaUSAA$3,495$4,628$1,13332%
OregonState Farm$3,925$4,229$3048%
OregonTravelers$3,778$5,059$1,28134%
OregonNationwide$5,476$6,362$88716%
OregonGEICO$4,408$8,198$3,79186%
OregonProgressive$8,727$9,855$1,12913%
OregonFarmers$8,995$11,997$3,00233%
OregonAllstate$10,544$13,177$2,63325%
OregonUSAA$3,207$4,176$96930%
PennsylvaniaTravelers$2,350$3,002$65228%
PennsylvaniaErie Insurance$4,041$4,824$78319%
PennsylvaniaNationwide$4,445$5,339$89420%
PennsylvaniaGEICO$4,295$5,970$1,67539%
PennsylvaniaState Farm$7,313$7,859$5467%
PennsylvaniaUSAA$4,463$5,012$54912%
Rhode IslandNationwide$6,454$7,366$91214%
Rhode IslandAmerican Family$5,414$8,185$2,77151%
Rhode IslandAllstate$8,046$8,804$7599%
Rhode IslandProgressive$8,659$9,361$7028%
Rhode IslandGEICO$7,311$9,619$2,30832%
Rhode IslandTravelers$10,172$12,493$2,32123%
Rhode IslandAmica$9,501$13,586$4,08543%
Rhode IslandFarmers$11,355$15,216$3,86134%
Rhode IslandUSAA$5,054$5,815$76115%
South CarolinaAuto-Owners$3,662$4,986$1,32536%
South CarolinaState Farm$5,288$5,778$4909%
South CarolinaTravelers$4,865$6,831$1,96640%
South CarolinaAllstate$6,058$8,087$2,02933%
South CarolinaProgressive$9,184$10,179$99411%
South CarolinaUSAA$6,089$6,778$68911%
South DakotaState Farm$4,689$4,958$2696%
South DakotaNationwide$4,390$5,357$96722%
South DakotaAuto-Owners$5,855$7,252$1,39724%
South DakotaGEICO$6,158$7,570$1,41123%
South DakotaFarmers$7,988$9,674$1,68621%
South DakotaAllstate$8,926$10,008$1,08212%
South DakotaProgressive$9,751$10,266$5155%
South DakotaUSAA$3,988$5,667$1,67942%
TennesseeErie Insurance$3,582$4,082$50014%
TennesseeState Farm$4,581$5,033$45210%
TennesseeTravelers$3,804$5,500$1,69645%
TennesseeProgressive$6,701$6,716$150%
TennesseeNationwide$6,687$7,653$96714%
TennesseeGEICO$4,453$7,869$3,41677%
TennesseeFarmers$7,006$11,030$4,02357%
TennesseeAllstate$11,010$12,665$1,65515%
TennesseeUSAA$3,714$4,050$3369%
TexasGEICO$3,652$5,545$1,89352%
TexasNationwide$5,530$6,660$1,13020%
TexasAuto Club Enterprises (AAA)$6,077$8,881$2,80346%
TexasProgressive$11,667$12,945$1,27811%
TexasUSAA$3,648$4,149$50014%
UtahNationwide$4,087$4,462$3759%
UtahAuto-Owners$3,951$5,240$1,28933%
UtahState Farm$6,029$6,460$4317%
UtahGEICO$4,523$7,639$3,11669%
UtahAllstate$7,382$8,421$1,03914%
UtahProgressive$8,402$8,963$5627%
UtahFarmers$11,066$14,594$3,52832%
UtahUSAA$3,693$4,250$55715%
VirginiaErie Insurance$2,884$3,390$50518%
VirginiaState Farm$3,935$4,269$3359%
VirginiaTravelers$3,248$4,591$1,34341%
VirginiaAllstate$4,501$5,925$1,42532%
VirginiaGEICO$3,312$5,983$2,67181%
VirginiaAuto-Owners$3,565$6,496$2,93182%
VirginiaProgressive$10,048$10,928$8809%
VirginiaUSAA$3,530$3,946$41712%
VermontAuto-Owners$2,107$2,423$31615%
VermontProgressive$2,948$3,359$41114%
VermontState Farm$3,176$3,389$2137%
VermontNationwide$3,004$3,463$46015%
VermontGEICO$4,219$5,185$96623%
VermontVermont Mutual$4,783$5,242$45910%
VermontAllstate$4,712$5,466$75416%
VermontFarmers$10,279$13,628$3,34933%
VermontUSAA$2,507$2,701$1948%
WashingtonFarmers$4,188$4,855$66716%
WashingtonState Farm$4,520$4,964$44410%
WashingtonAmerican Family$4,059$4,970$91122%
WashingtonTravelers$3,691$5,048$1,35737%
WashingtonGEICO$4,289$6,042$1,75341%
WashingtonAllstate$5,886$6,652$76513%
WashingtonNationwide$5,918$7,093$1,17520%
WashingtonProgressive$9,092$10,490$1,39815%
WashingtonUSAA$3,440$4,086$64619%
WisconsinErie Insurance$2,904$3,381$47716%
WisconsinTravelers$2,976$3,939$96332%
WisconsinNationwide$4,300$5,061$76118%
WisconsinState Farm$6,019$6,607$58810%
WisconsinGEICO$4,047$7,061$3,01474%
WisconsinAllstate$7,145$8,442$1,29618%
WisconsinProgressive$7,935$8,463$5287%
WisconsinFarmers$7,711$11,218$3,50745%
WisconsinUSAA$2,458$2,713$25510%
West VirginiaErie Insurance$3,583$4,152$57016%
West VirginiaNationwide$3,883$4,444$56114%
West VirginiaState Farm$4,315$4,632$3177%
West VirginiaGEICO$4,074$8,678$4,604113%
West VirginiaProgressive$8,849$9,629$7819%
West VirginiaAllstate$10,537$12,028$1,49214%
West VirginiaFarmers$7,926$15,070$7,14490%
West VirginiaUSAA$4,306$5,439$1,13326%
WyomingAmerican National$2,185$2,506$32115%
WyomingState Farm$4,164$4,503$3408%
WyomingFarmers$3,836$5,589$1,75346%
WyomingGEICO$5,910$8,092$2,18237%
WyomingAllstate$8,943$10,634$1,69119%
WyomingUSAA$3,568$3,743$1755%

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 violationAnnual full coverage ratesMonthly 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 my rate go up? Should I shop for a new policy after a ticket?

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 car insurance premiums

If you get numerous speeding tickets within three years, you may be classified as a high-risk driver and therefore, have 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, use the strategies below:

  • 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. 

What are driver’s license points?

When a driver receives a ticket, is involved in an accident or drives under the influence (DUI), some states record these violations as points on their driving record. Typically, the more significant the violation, the higher the points. These can result in license suspension or revocation.

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.

Nine states do not currently use a driver’s license point system. They are:

  • Hawaii
  • Kansas
  • Louisiana
  • Minnesota
  • Mississippi
  • Oregon
  • Rhode Island
  • Washington
  • Wyoming

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.

Read about the Insurance Points Vs License Points – How do 3 points affect insurance?

How much will two points affect my insurance?

There is a correlation between driver’s license points and insurance rates. A speeding ticket adds points to your license and increases insurance rates.

Remember, insurance companies determine rate increases based on your driving history, including the number and type of violations, not on the number of points. Though a high number of driver’s license points indicates a poor driving history, the number of points does not determine a rate increase.

So, whether you earned three, four, or six points on your license, the violations that will increase your rates are based on their nature rather than the assigned points.

How much does four points affect insurance?

Since you receive points for poor driving actions, receiving four points on your license will likely increase your insurance premiums. However, it’s impossible to determine how much of a rate hike you should expect to see. 

Frequently asked questions: How do speeding tickets affect your insurance premiums?

Collapse allExpand all

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 of 19%-64% at your next renewal for a ticket. However, some insurance companies do not increase insurance rates after one ticket — depending on how fast you are going.

Does a first-time speeding ticket affect the cost of insurance?

In most cases, a first-time speeding ticket will increase your insurance costs. But a handful of insurance companies might offer you a reprieve on a first-time offense —State Farm, Progressive and Allstate have the lowest premium increases following a speeding ticket.

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. 

Dr. Schumacher continues, “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 (DMV). If a speeding ticket is on your driving record, your insurer will see it.

How do insurance companies find out about speeding tickets?

During your insurance renewal period, the insurer will do a variety of reviews to determine your new rate. One thing they check is your driving record, which is how they would discover speeding tickets or other traffic violations that could warrant an increase in rates.

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.

The verdict on how much insurance rates go up 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

  1. U.S. Department of Transportation NHTSA. “Risky Driving: Speeding.” Accessed May 2025.
  2. 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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Meet our editorial team
author-img Sarah Sharkey Contributing Researcher
Sarah Sharkey is a personal finance writer with a master’s degree in management from the Hough School of Business at the University of Florida. She enjoys helping readers find money solutions that work. She has written for numerous personal finance publications including Money Under 30 and The College Investor.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network.