How Much Does A Speeding Ticket Raise Your Insurance?

How much does a speeding ticket raise insurance? If it's your first speeding ticket, it likely won't affect your insurance, but you'll have to check the fine print to make sure this is true. If you don't have a long history of speeding or other driving infractions, your insurance usually won't count against you. For the best information on how speeding tickets will affect insurance coverage, it's best to contact your auto insurance company.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 20, 2021

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You’ve been pulled over for speeding, and the officer has decided that they are going to give you a speeding ticket.  Now you’re left wondering – what is this speeding ticket going to do to my insurance? Will it go up? Will I lose my safe driving or other discounts?Speeding Ticket and Auto Insurance

In this article, we’ll try to shed some light on how your auto insurance company will approach speeding tickets that you receive, and how they will impact your car insurance rate, whether this is annual insurance or monthly insurance. Although the advice and tips in this article are genuine, they are also general; for the best possible information, it’s best to contact your auto insurance company and have a conversation with them.

Your First Speeding Ticket Might be Okay

The first speeding ticket you collect when you’re with a new insurance company might not actually be that bad for your auto insurance, but you’ll have to read the fine print to ensure this is true. Insurance companies know that their drivers are human and that sometimes people make mistakes and get caught for it. If you don’t have a long history of speeding or other driving infractions, you can generally make the case that this was a one-off occurrence and that it’s not going to happen again in the near future.

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The DMV Points System and Auto Insurance

Nearly every state has a Department of Motor Vehicles that loves to collect additional fines on top of every infraction and ticket issued to you as a driver. These are generally called “points”, although they are little more than a way for the DMV to soak you for considerably more than the ticket actually cost in the first place. If you collect enough of them, they will either suspend your driver’s license or revoke it entirely, in the name of public safety.

While these points can be horribly difficult and expensive to remove from your driver’s license, they can also wreak havoc with your auto insurance policy. Insurers typically have a great relationship with the DMV. They can gain access to your driving record regularly to see exactly how many points you’ve collected and whether or not you’ve been paying them off. If you’ve got more than a certain number of points, you can rest assured that your auto insurance company will be raising your car insurance premium, as you present more risk than the average driver.

How “Violation Severity” Affects You

Violation severity (and other terms like it) is how insurance companies refer to the risk involved with how a driver is collecting infractions like a speeding violation For instance, consider two scenarios: the first is a driver that was pulled over for driving 6 miles per hour over the limit on the interstate through the countryside; the second is a driver that was pulled over for driving twenty miles per hour over the limit through a designated school zone in the middle of a city. As you can see, both of these situations resulted in a speeding ticket, but they are far different in terms of severity.

When you earn more severe infractions, you also tend to earn more points at the DMV, your tickets will be far more expensive, and you’ll end up suffering more in your auto insurance. If keeping your auto insurance cost low is important to you, make sure you consider this before speeding through the city on your way to work.

Remember to Fully Disclose when Purchasing Auto Insurance

It might seem like a good strategy to “forget” or “misremember” past speeding tickets and other infractions when you’re purchasing a policy from a new auto insurance company, but this actually can dig you into a hole with your insurer from the start. Insurance companies can access your driving history; simply accept that you’ve made mistakes in the past and move on. The last thing you want to do is lie to the insurance company that’s offering you an excellent deal to move away from your current insurer, only to have them revoke the offer because you weren’t forthcoming about your past speeding tickets.

Another tip is to ensure that all of your points are cleaned off of your record at the DMV before you try to make a change to another insurance company. If you fail to clean your record, your new insurer might think that you are trying to evade something at your older insurer, and they might refuse you coverage entirely.

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Bottom Line: Keep Clean and You’ll Save Money

It’s always bothersome to hear that you need to slow down, but the truth is that speeding can cost a fortune in tickets, points, and of course in increased auto insurance rate or costs. If you keep things within around five miles above the speed limit, you’re far more likely to stay on the clean side of the law and prevent yourself from suffering financially. You’ll also be much safer while on the roads, and you may end up preventing an accident along the way. Speed limits exist for a reason, so try to stay within their bounds and you’ll be set!

Did you know that can save you a fortune on your car insurance premium? We’re here to help you sift through all of your local auto insurance companies to ensure that you get the best deals possible.

To get started and to find out quotes for insurers in your area, scroll up to the top of this page and enter your ZIP code in the form. It’s really that simple!

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