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Your car insurance rates will go up 22 to 30 percent, on average, after a speeding ticket, according to a rate analysis by CarInsurance.com. Enter your state in the search field below to find out how much more you can expect to pay.
How Much Car Insurance Goes up for a Speeding Ticket in Every State?
| State | Percent Increase 11 to 16 mph Over | $ Increase | Percent Increase 16 to 29 mph Over | $ Increase | Percent Increase 30 mph Over | $ Increase |
|---|---|---|---|---|---|---|
| Alaska | 19% | $239 | 19% | $239 | 19% | $239 |
| Alabama | 28% | $370 | 28% | $370 | 38% | $498 |
| Arkansas | 20% | $316 | 20% | $316 | 43% | $675 |
| Arizona | 25% | $346 | 27% | $374 | 27% | $374 |
| California | 34% | $605 | 34% | $605 | 34% | $605 |
| Colorado | 19% | $312 | 19% | $312 | 19% | $312 |
| Connecticut | 17% | $336 | 17% | $336 | 30% | $599 |
| DC | 15% | $275 | 15% | $275 | 31% | $588 |
| Delaware | 18% | $325 | 21% | $391 | 50% | $918 |
| Florida | 27% | $602 | 31% | $692 | 46% | $1,043 |
| Georgia | 17% | $303 | 27% | $486 | 59% | $1,064 |
| Hawaii | 10% | $130 | 10% | $130 | 10% | $130 |
| Iowa | 17% | $185 | 19% | $200 | 19% | $200 |
| Idaho | 30% | $301 | 30% | $301 | 30% | $301 |
| Illinois | 20% | $236 | 20% | $236 | 20% | $236 |
| Indiana | 24% | $252 | 24% | $252 | 26% | $277 |
| Kansas | 16% | $224 | 16% | $224 | 16% | $224 |
| Kentucky | 15% | $246 | 30% | $478 | 53% | $852 |
| Louisiana | 21% | $462 | 21% | $462 | 21% | $462 |
| Massachusetts | 20% | $319 | 20% | $319 | 20% | $319 |
| Maryland | 18% | $273 | 18% | $273 | 18% | $273 |
| Maine | 15% | $136 | 19% | $165 | 19% | $165 |
| Michigan | 29% | $696 | 43% | $1,010 | 70% | $1,666 |
| Minnesota | 22% | $290 | 27% | $362 | 27% | $362 |
| Missouri | 10% | $125 | 11% | $136 | 11% | $136 |
| Mississippi | 29% | $442 | 29% | $442 | 44% | $657 |
| Montana | 8% | $126 | 12% | $195 | 12% | $195 |
| North Carolina | 50% | $583 | 50% | $583 | 50% | $583 |
| North Dakota | 21% | $237 | 21% | $237 | 21% | $237 |
| Nebraska | 28% | $363 | 28% | $363 | 28% | $363 |
| New Hampshire | 23% | $267 | 23% | $267 | 46% | $531 |
| New Jersey | 17% | $241 | 26% | $373 | 32% | $455 |
| New Mexico | 19% | $283 | 19% | $283 | 19% | $283 |
| Nevada | 20% | $316 | 21% | $339 | 29% | $460 |
| New York | 12% | $146 | 18% | $219 | 18% | $219 |
| Ohio | 21% | $200 | 27% | $262 | 38% | $361 |
| Oklahoma | 30% | $436 | 30% | $436 | 30% | $436 |
| Oregon | 20% | $263 | 20% | $263 | 29% | $378 |
| Pennsylvania | 9% | $134 | 9% | $134 | 9% | $134 |
| Rhode Island | 21% | $421 | 21% | $421 | 28% | $554 |
| South Carolina | 16% | $210 | 16% | $210 | 30% | $412 |
| South Dakota | 18% | $224 | 18% | $224 | 18% | $224 |
| Tennessee | 15% | $203 | 15% | $203 | 34% | $454 |
| Texas | 15% | $252 | 15% | $252 | 15% | $252 |
| Utah | 18% | $220 | 18% | $220 | 18% | $220 |
| Virginia | 20% | $198 | 20% | $198 | 31% | $305 |
| Vermont | 14% | $163 | 14% | $163 | 29% | $342 |
| Washington | 19% | $250 | 19% | $250 | 19% | $250 |
| Wisconsin | 16% | $179 | 25% | $283 | 25% | $283 |
| West Virginia | 15% | $220 | 19% | $277 | 47% | $689 |
| Wyoming | 28% | $443 | 28% | $443 | 28% | $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 percent
- Allstate – 20 percent
- Farmers – 24 percent
- State Farm – 27 percent
- Progressive – 31 percent
- Geico – 31 percent
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 percent 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 percent. 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 percent more after two speeding tickets, which is nearly twice the amount for one ticket, according to CarInsurance.com's data.
