Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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Speeding Tickets And Your Car Insurance

If you love driving, then getting the chance to rev your engine or speed down a road should be one of the items in your bucket list. Unfortunately, getting caught speeding is not only an infraction on your driving record but also a major red flag with car insurance companies and local authorities. It tells everyone involved that you can be a risk to others, your passengers, and to yourself given the wrong circumstances.

You can safely assume that with multiple speeding tickets in a short period of time insurance will likely increase. However, you should know that there are different speeding violations from minor over-the-speed-limit to major catastrophes that threaten the lives or limbs of many people. In 2012, there were more than 10,000 deaths from speeding violations which has intensified the pressure on authorities to monitor drivers more closely and apply stiffer penalties whenever necessary.

It is also important to understand the cycle that takes place when you are issued a speeding ticket. The officer that issued your violation must report the incident to the DMV so the points can be added to your record. Insurance companies regularly pull out these reports from the DMV to cross check with their database. These requests by insurance companies can be expensive and the cost is ultimately included in any rate increases to drivers with violations.
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First time speeding tickets

Thus, the period between being issued a ticket and your insurance carrier finding out about it can take anywhere from a few days to a few months. According to one insurance analyst, many speeding ticket insurance rates get passed over especially for first time offenses who are over the age of 25 and with no previous blemish on the driver’s record and only 31% are slapped with your average annual premium increasing.  The critical age range that insurance companies are most concerned with are those between the ages of 16 to 25 for obvious reasons.

In addition, since age matters with insurance companies young drivers go through more scrutiny and with greater frequency than older drivers. This means insurance companies may decide to only check the records of older drivers annually. Will car insurance go up after my first speeding ticket?

Most insurance companies will disregard the first speeding ticket violation if it does not involve major damages or injuries. However, should you turn into a habitual speed maniac with several speeding tickets on your driver’s record, you can expect anywhere from a 3% to 30% rate increase in your premium.

Also, the first moving violation you get and pay for will include assigned points on your driver’s record at the DMV. If the points start increasing, whether from another speeding offense or other violations, the insurance company will start investigating your history and charge you accordingly. How much will my car insurance rate go up after a speeding ticket?

Since there are different speeding violations, the rate increase would depend on how many points are assigned to your specific violation. For example, if you were caught driving 10mph above the speed limit, you get a minor traffic violation equivalent to 1 point on your driving record.

With 1 point, your insurance company will probably not impact your car insurance and dismiss as a one-off case and not implement any increase. However, if you are required to attend a refresher course or you accumulate 4 points on speeding violations, you will be facing a minimum of 21% increase in rates or as much as 37% rates increase if you are from California.What happens if I got a speeding ticket while on my parents’ insurance?

Although the rules are different for every state, generally if you get caught speeding on your parent’s insurance, they will have to suffer the consequences. You will have points against your driver’s record and your parent will have to face the insurance company rate increases especially if insurance claims are filed for damages or injuries. If you are not included as an approved driver in the insurance plan, the insurance company may even deny the claim and you will have to pay out-of-pocket.What happens to my car insurance if my speeding ticket was dismissed?

If your ticket was dismissed by the judge and you comply with the requirements of the dismissal, nothing will happen to change your insurance rate. It’s highly likely that the insurance company will not even be informed of the violation.

And even if they were, as long as you can provide proof of dismissal, you probably will not be penalized by the insurance company with any rate increase or prejudice.

Do you need to report speeding tickets to insurance companies?

No, you are not required to report a speeding ticket or any other driving violation to your insurance company although you can definitely expect that they will find out sooner or later. That is, unless the ticket has been dismissed by a judge or you have ticket forgiveness coverage.
Ticket forgiveness coverage is insurance you buy from your provider to prevent premium increases in case you get a ticket. It’s like paying upfront for a possible violation but at a lower cost to you especially since a ticket can lead to a 3 year period of paying higher premiums.
How does State Farm compare to companies like Progressive and Geico with speeding tickets on your driver record?

Since State Farm like most insurance companies offers good driver discount, once you accumulate tickets, you could lose the discount. As far as speeding tickets are concerned, State Farm works under the same principle as other insurance companies. They can deny your renewal application for insurance if you have multiple serious tickets connected to reckless driving or DUI/DWI. However, for minor speeding offenses, they look at the driver’s history and longevity with the company.

State Farm, Geico, Progressive, and other insurance companies more commonly give customers the option to pay more for insurance if their past year driver’s record has deteriorated significantly. On the other hand, one infraction is probably not going to make a difference if the violation merited 1 or 2 points only. It usually takes at least 4 points on your driver’s record for the insurance company to sit up and take notice because 4 points or higher implies a speeding habit.

For example, a 4 point charge in the past 12 months for a driver in New Jersey could lead to an estimated increase of 30% increases for Bodily Injury, 25% increase on Collision, and a 15% increase on Personal Injury. What happens if I get a speeding ticket and I do not have car insurance?

Any person caught driving without insurance is going to find himself in a lot of trouble. Plain and simple, it’s breaking the law and extremely irresponsible because you put many people at risk from pedestrians to your passengers and other people on the road.

For this kind of double offense, you will be faced with a court date to explain why you didn’t have insurance. Court appearance can be mandatory or “not required.” However, it would be in your best interests to face the court (with a lawyer, if possible) to plead your case and hope for a slap on the wrist on one of the counts.

As a general rule, you will have to pay a heavy fine and may even have your driver’s license suspended. The violation will go on your driver’s record and when you apply for car insurance, this violation will appear and result in a higher insurance rate.

Since every state has its own particular rules on court appearances and driving violations, it would also be a good idea to check with the local DMV on paying the ticket fee ahead of court date and the benefits of buying insurance, also ahead of the court date.

How Speeding Tickets Might Affect Your Car Insurance

Speeding tickets are red-light warnings to insurance companies that you could be a risk to insure. However, insurance companies do not randomly increase auto insurance rates without clear justification. There are many kinds of traffic tickets and moving violations, a speeding ticket for going 10 mph over the speed limit is not going to affect your rate unless it is accompanied by a DUI or other violation. First-time offenders are also usually given a “free pass” as long as it doesn’t happen again.
You should be worried if you are given 4 or more points on your driver’s record for a traffic ticket because that will surely increase your auto insurance policy. On a personal level, you should be concerned if you’re starting to rack up points on your driver’s record because it implies a problem with the way you drive or changes in the way you drive.
Insurance companies also have policies on the length of time an increased rate should be implemented. The general standard is 3 years although there are some companies that enforce a 12-month premium increase for reasons such as having just one speeding ticket.
Thus, aside from categorizing speeding violations according to points accrued, an increase in car insurance rates will also depend on factors such as history with the company, number of other driving violations, and the severity of all your tickets on your driver’s record.
What are the average costs of a speeding ticket?

With more than 41 million drivers in the United States getting speeding tickets and $6 billion in ticket fines just for speeding, one would think that these figures would decrease annually. In some states, however, the amount paid for speeding is slowly getting smaller but in certain states, authorities are serious about going after anyone who’s driving over the speed limit. For this reason, the average range of fines and other costs associated with a speeding violation is $50 all the way to $2,500.

The range is so vast because there are different points assigned to moving violations and the more severe get charged higher. That being said, the speeding ticket itself averages $150 but places like Nevada charge a maximum fee of $2,000. Tennessee is the state that charges the lowest at $50. You will also have to pay for other incidentals like court fees, driving school, and a higher auto insurance rates. What are the effects of multiple speeding tickets on my driver record?

Multiple speeding tickets means you are now looked at by your insurer that you are a higher risk and a threat to anyone on or beside the roads. Right away, you could lose your insurance and be forced to find another insurance company willing to take you on as a high-risk driver.

If this happens you will have to pay way above normal rates for a period of time. This may also happen if your tickets include more than just moving violations like unpaid parking tickets or broken headlights.

In summary, you can expect one or all of the following to happen:

  • Points on your driver’s record
  • Court case and fines
  • Possible suspension of your driver’s license
  • Mandatory enrollment in driving school
  • Increase in auto insurance rates

Why would a speeding ticket affect my car insurance rate?

A speeding ticket gives a hint that you are a potential insurance risk. This means the insurance company you bought your car insurance from has a higher chance of having to pay for injuries, damages, or both. In short, you’re going to cost the insurance company possibly more than what you are currently paying them.

You have become a liability to them and they would want to correct that by charging you the right premium rate commensurate to your driving habits.

It’s a risk issue because in almost all cases, a driver can control his or her speed so if you cannot be trusted to control your speed, the insurance company may drop you as a customer or increase your rate. How would getting a speeding ticket out of state work? 

Eventually your out of state speeding violation will be found out by your at home car insurance provider. In other words out of state tickets follow you back home. Most states also have what is called “reciprocal agreements so that they disclose information back and forth with each other.

However, depending on your car insurance company and your specific state laws the way your out of state speeding ticket is viewed could vary from one company to the other. If you reside in Georgia, Massachusetts, Michigan, Tennessee or Wisconsin your state is not part of the DLC. However, if in the event you were charged with a traffic violation in these states do not expect them to NOT report to your home state.

After getting a speeding ticket and the officer leaves, you need to calm down and decide if you want to challenge the ticket or not. If you are clearly at fault, it would be best to pay the fine and wait for the insurance company to decide if your speeding violation warrants an increase in rate or not.
The last thing you would want to do is get upset with the officer and challenge him on the spot. Your behavior will be recorded and it will be revealed when the officer sends in his report. Needless to say, it will not reflect well on you as a responsible driver.
How can I fight my speeding ticket?

The only way you can fight your speeding ticket is by going to traffic court. You should hire an attorney to represent you because experience and knowledge counts for a lot while in front of a judge. Furthermore, the attorney will be more objective and able to defend your side properly.

One of the ways often mentioned online about how win a court case and have a speeding ticket dismissed would be to request for a new court date in the hopes that the ticketing officer will not be able to attend the hearing. However, this is not a foolproof or a guaranteed scheme. It does not address the problem. The judge will still decide the case based on the merits and your driver’s record. The bottom line is that to fight a speeding ticket, you need to convince the judge that you were not speeding or that you were speeding because of special circumstances.

Another way to fight a speeding ticket is to attend defensive driving school although it would depend on your locations because not all states allow this option.

Finally, if you want to fight the ticket, do not pay the fine first. Payment is an admission of guilt. Talk to a lawyer and find out what your options are but ultimately, make the decision based on all things including the cost of legal fees, higher rates, and the inconvenience of a court case. What do I need in order to fight my speeding ticket in court?

If you decide to fight your speeding ticket in court, you will need to collate all your memories of that fateful day and record it as accurately as possible. You will also have to go over the ticket for instructions and more information to help you fight to have your ticket dismissed.

Unless you have previous experience with traffic court, it would be advisable to find a good lawyer to help you. It will cost you to hire a lawyer so you need to be sure that you have a valid case for dismissal.Does car insurance go up more if I get a speeding ticket in a school zone?

School zones are like construction roadwork zone or special zones, a speeding ticket will carry a higher fine and be reason for a car insurance company to increase your rate. It does not even matter if there are children outside the school or not, you should follow the speed limit.

In fact, in some states the fines for speeding in a special zone is double or triple the usual rate.How many points will I get after a speeding ticket?

Under the DMV point system, each state has its own demerit listings for traffic and moving violations. In Arizona, for example, you will get 3 points for a speeding ticket while in Virginia, speeding is a serious offense and will merit you 3 points unless you were also caught reckless driving in which case you get 4 points.

To complicate it further, the point system is not consistent throughout the state so you will need to check with the specific county for their demerit point system.