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How Getting a Speeding Ticket Can Affect the Price of Car Insurance


LOS ANGELES, Oct. 29, 2021 /PRNewswire-PRWeb/ — has launched a new blog post that presents how speeding tickets can affect the price of car insurance premiums.

For more info and free car insurance quotes online, visit

Drivers who recently received a speeding ticket might be wondering if they will be paying for it again with their car insurance providers. Whether the price of car insurance goes up after receiving a speeding ticket depends on many factors such as the severity of the violation, the place where the ticket was received, or if the speeding driver has recently received other tickets, among others. In most cases, a speeding ticket will affect the price of the premium. Moving violations are considered part of the driving record, and drivers who have one or more will be perceived as riskier to insure by their carriers. Having speeding tickets on the driving record could result in significantly higher rates. Just one speeding ticket for going 11-15 miles over the limit can hike a driver's car insurance rate by 20%, on average.

The way driving violations are handled by a car insurance provider differs by the violation, state, carrier, and the driver's driving and insurance histories. Based on these factors, a speeding ticket will affect the insurance cost in the following conditions:

  • What type of violation was it and where the driver lives. Usually, the points received on a driving license for moving violations like a minor speeding ticket fall off the motor vehicle report or driving record within two to three years. However, that period can be shorter or longer, depending on the severity of the violation and the state's laws. The points received by a driver who was ticketed for reckless driving will stay longer on a driving record. Usually, insurance providers will look back at points occurring during the last three to five years when pricing an insurance policy. A premium increase due to receiving a speeding ticket will probably occur during renewal periods.
  • Was it the driver's first offense, or does he have more speeding tickets. Drivers who are older than 25 and have received their first speeding ticket, will probably not experience an increase in their premiums. Furthermore, drivers who didn't receive a speeding ticket in the past three years can also expect to not see a rise in their premiums after getting a ticket. However, getting a lot of speeding tickets in a three to five-year period will not only increase a driver's rates, but it will also increase the chances to lose the standard insurance coverage.
  • Where the driver was when he received the speeding ticket. If a driver gets a speeding ticket in a state where he doesn't live, the premium might or might not go up. Not all states share driving information. Some states, like Colorado, only share information for major violations such as DUIs or reckless driving.
  • Which car insurance provider does the speeding driver has. One of the most important factors in whether the driver will be charged more for the premium after getting a speeding ticket is the chosen insurance provider. The driving record is the primary factor in how most traditional car insurance companies calculate the insurance rates.

After getting a speeding ticket, most drivers will look at ways to make their premiums more affordable after the increase. Some of these ways include going to a traffic school or getting a defensive course, adjusting the insurance policy deductibles, looking for additional discounts, and driving more safely. Also, drivers who feel they were unfairly given a ticket, can try to contest it.

For additional info, money-saving tips and free car insurance quotes, visit is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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