- Car insurance rates after a speeding ticket
- How much car insurance goes up for a speeding ticket in every state
- Cheapest car insurance company for speeding tickets
- When will my rate go up? Should I shop for a new policy after a ticket?
- Multiple speeding tickets can double your car insurance increase
- Busted for speeding: Should you lawyer up?
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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 |
|---|---|---|---|---|---|---|
| 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%
- 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.
