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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
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 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.