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How a speeding ticket impacts your insurance in Georgia

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The National Highway Traffic Safety Administration (NHTSA) reports that there were 9,378 automobile fatalities in 2018 in which at least one of the drivers was speeding. Though speeding is usually treated as a misdemeanor in Georgia, speeding is taken seriously and fines increase as the severity of the speeding increases.

Speeding tickets can have a significant impact on the premiums you pay for car insurance. A speeding ticket increased the average cost of car insurance in Georgia by 26%, according to Bankrate’s 2021 study of quoted annual premiums.

How much is a speeding ticket in Georgia?

The fine for a speeding ticket in Georgia varies depending on a number of factors, including the location of the violation and the severity of the speeding. Typically, fines for first time speeders are:

  • $0 for driving five mph over the limit or less.
  • $25 for driving above five mph but below ten mph over the limit.
  • $100 for driving above ten mph but below 14 mph over the limit.
  • $125 for driving above 14 mph but below 19 mph over the limit.
  • $150 for driving above 19 mph but below 24 mph over the limit.
  • $500 for driving above 24 mph but below 34 mph over the limit.

There are a number of “aggravating” circumstances which can increase these base fines. For example, speeding in a highway construction zone can be punishable with a $2,000 fine and up to 12 months jail time. Georgia also imposes a “super speeder” fine of $200 on top of the base fine for drivers exceeding a speed of 85 miles per hour.

Insurance premiums can be directly impacted to varying degrees by points issued in Georgia for traffic violations. A driver ticketed for exceeding the speed limit by at least 15 miles per hour can receive between two to six points.

How much does a speeding ticket increase your car insurance in Georgia?

In addition to fines and points, in Georgia, it is likely that a speeding ticket will increase the premiums paid for auto insurance. Statistically, males have been determined to be higher risk drivers than women. As a result, males will often pay higher car insurance premiums. The chart below reflects this as a slightly higher increase in premiums for men following a speeding ticket.

Average annual full coverage premium

Age Rate before speeding ticket Rate after speeding ticket % increase
40-year-old male $1,964 $2,505 28%
40-year-old female $2,000 $2,508 25%
Total average $1,982 $2,507 26%

As reflected above, it pays to adhere to speed limits in Georgia. While there are ways to potentially limit this increase with discounts and alternative coverage with other good car insurance companies, this effort itself can be costly and time consuming.

How to lower your car insurance after a speeding ticket in Georgia

It can be a major headache to learn that one careless moment behind the wheel can result in a significant increase in car insurance premiums in Georgia. Do not despair however, for there are a number of steps that can be taken which will often soften the blow and reduce the size of a premium increase. In the process, you may also learn of other ways to save on car insurance.

Get quotes from other car insurance companies

Every auto insurance company in Georgia considers a different set of underwriting and rating factors in determining premiums. It is always useful to obtain and compare several car insurance quotes, but as the chart below shows, this can be particularly useful when you have received a speeding ticket because the resulting premium increase varies significantly from carrier to carrier.

Average annual full coverage premium by car insurance company in Georgia

Car insurance company Rate before speeding ticket Rate after speeding ticket
ACCC Insurance $1,945 $2,173
Alfa $2,450 $2,517
Allstate $1,718 $2,978
Auto-Owners $1,494 $1,776
Country Financial $2,183 $2,627
Donegal $2,153 $2,398
Geico $1,711 $2,374
Mercury $1,915 $2,220
MetLife $1,788 $2,410
Nationwide $1,202 $2,302
Progressive $1,800 $1,987
Safeway $2,372 $2,300
Southern General Agency $6,717 $8,892
State Farm $1,375 $2,068
USAA $1,506 $1,757

*Premiums are average annual full coverage premiums for 40-year-olds

Don’t forget to look at other important factors when shopping for the best coverage. Research online as well as through discussion with agents to understand companies’ financial ratings and ability to pay claims, customer reviews, coverage options and available discounts.

Look for discounts

Before shopping coverage, make sure you have taken advantage of all of the discounts that your current carrier offers. For example, auto insurance companies which also provide homeowners coverage will often offer a “bundling” discount if you cover both your home and auto with that carrier. There are many others based upon your age, type of vehicle and overall driving history.

Modify existing coverages

There are certain auto liability minimums that most state laws require drivers to maintain and Georgia is no exception. There may, however, be ways to modify comprehensive or collision coverage on older vehicles without liens which you will not likely replace anyway if it were totaled. Additionally, you may be able to reduce premiums by increasing deductibles.

Other speeding ticket considerations

In Georgia, you always have the right to appear in court and contest a speeding ticket. Alternatively, you can simply pay a fine online and avoid court.

Georgia has a point system which ranges from two to six points added to your driver’s license for certain traffic violations. Points are not assessed for speeding violations where the driver exceeds the limit by less than 15 miles per hour. However, serious violators will be punished. A driver receiving 15 points in a 24 month period can have a driver’s license suspended.

Frequently asked questions

What is the best car insurance company for drivers with speeding tickets?

There is no single car insurance company that is best for everyone. Because each driver’s circumstances differ and certain discounts are always available to some and not to others, the best way to determine the best coverage for you is to obtain quotes from several of the best auto insurers. Comparing these quotes can point you to the best coverage for you.

Is it ever legal to speed?

This is a myth. Many drivers have tried to “beat” speeding tickets by arguing an emergency or that they were just following the flow of heavy and fast commuter traffic. These are not legal excuses and consistently fail.

Am I required to tell my insurance carrier about a speeding ticket?

No, but your car insurance company will likely find out soon enough. Some car insurance companies do run periodic reviews of driving records where a speeding ticket will appear. When a policy renews, it is highly likely that a speeding ticket will come to the carrier’s attention.


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 18-year-old and 40-year-old male and female drivers 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

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

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.

Written by
Rick Hoel
Insurance Contributor
Rick Hoel is an international business attorney and legal and insurance writer for Bankrate as well as and Over the last several years, he has covered topics dealing with personal and commercial insurance and technology and the law. Rick is General Counsel and Director of Risk Management and sits on the Board of Power Stow Americas Inc., a subsidiary of Power Stow A/S in Denmark, the world leader in the supply of tracked conveyor systems to the airline industry.
Edited by
Insurance Editor