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Car insurance for drivers with tickets

Police Officer Writing Ticket 3
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Many drivers have received some type of ticket in their lifetime. While some tickets may not seem like reason for concern, having a ticket on your driving record can have a big impact on your car insurance premium. After getting a ticket, you might decide to switch to a cheaper provider if your rate becomes too expensive or take advantage of discounts to save money.

How tickets impact car insurance

In most cases, insurance premiums increase after you get a ticket. However, keep in mind that you will not see the rate increase until your policy renews, usually every six months or 12 months.

Car insurance for drivers with multiple tickets is often more expensive because it indicates that you are a high-risk driver. From the perspective of an insurance company, you are more likely to file insurance claims or other violations in the future.

However, the rate increase after a ticket depends on the specific violation. For example, a speeding ticket usually results in a much lower rate increase than DUI. After a ticket, you will probably pay a higher insurance premium for at least several years, depending on the violation.

Cheapest car insurance after a speeding ticket

For a speeding ticket, the rate increase depends on several factors, including your location, driving record and insurance company. In addition to a higher rate, most speeding tickets also come with a fine. Based on Bankrate’s study of average annual premiums after a single speeding ticket, we found Erie to offer the cheapest average rate.

Average annual car insurance premium based on driving record

Car insurance company Clean-record Single speeding ticket
Erie $1,233 $1,283
USAA $1,225 $1,463
State Farm $1,457 $1,590
Farm Bureau $1,512 $1,592
Auto-Owners $1,351 $1,673

Cheapest car insurance after a DUI ticket

A DUI is one of the most serious violations you can receive. After getting a DUI or DWI (depending on the state), you can expect your car insurance premium to increase significantly. Getting a DUI also typically comes with other potential consequences, including expensive fines, jail time and license suspension.

The car insurance rate increase after getting convicted of a DUI is based on your driving record, insurance company and state. Based on Bankrate’s research of average annual premiums after a single DUI ticket, we found American National to offer the cheapest average rate.

Average annual car insurance premium based on driving record

Car insurance company Clean-record Single DUI ticket
American National $597 $913
Selective $1,085 $1,708
Progressive $1,509 $1,933
Mercury $1,558 $2,055
Erie $1,233 $2,067

Best discounts for drivers with tickets

If you have received a ticket, there are several ways that you could get a cheaper car insurance premium. Many car insurance companies offer discounts to help drivers save money and you do not necessarily have to have a perfect driving record to qualify. Here are a few common discounts you may be able to find:

  • Safe driver: Drivers who have not filed an insurance claim in the last several years can often save some money on their policy.
  • Defensive driving course: Most car insurance carriers will lower your rate if you complete an approved defensive driving course.
  • Pay in full: Paying your premium upfront and in full usually results in a slightly lower car insurance rate.
  • Policy bundling: If you purchase two or more policies from the same insurance carrier, you can usually qualify for a discount.
  • Automatic payments: Many insurance companies will give you a small premium discount if you sign up for automatic payments.

Other ways to save on car insurance after a ticket

Besides taking advantage of discounts, there are some other ways that drivers can lower their rates after receiving a ticket.

One of the most effective ways to get a cheaper car insurance premium in most states is by improving your credit score (excluding California, Hawaii, Massachusetts, Michigan and Washington). Drivers with good credit tend to pay the lowest rates, whereas drivers with poor credit tend to pay higher rates. If you are able to improve your credit score, you should see your rate drop during the policy renewal period.

You can also consider adjusting your coverage limits and deductible to get a cheaper rate more quickly. Raising your deductible can help you pay a lower premium and you can change it at any time, not just during renewal. However, if you use this method, keep in mind that you agree to take on a higher out-of-pocket cost in the event of a claim. If you are paying for add-ons you do not need, like roadside assistance or original equipment manufacturer (OEM) coverage, considering dropping those coverage options can also lower your rate.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is specific to every driver. It depends on where you live, what type of coverage you need, your budget and insurance needs. Shopping around and comparing providers can help you find the best company for your needs.

How much is a ticket if you do not have car insurance?

Driving without car insurance is illegal and you will get a ticket if you get caught without it. If you get pulled over for something else, like speeding, an officer will typically ask to see your insurance information. The cost of the ticket depends on a variety of factors, including your state. You may be able to find out how much a ticket for driving without insurance costs by visiting your state’s DMV website.

How much does car insurance cost?

The U.S. national average cost of car insurance is $1,674 per year for a full coverage policy. However, your premium is impacted by many different factors, like your driving record, claim history and policy limits.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single DUI conviction.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, and NextAdvisor, among others
Edited by
Insurance Editor