Speeding is a relatively common offense, but it’s still incredibly dangerous and can be costly. A speeding ticket increases the average cost of car insurance in Kentucky by 27%, according to Bankrate’s 2021 study of quoted annual premiums. Kentucky car insurance companies take speeding seriously. Understanding how and why speeding affects your car insurance rates could help you better prepare your finances if you’ve recently gotten a ticket.


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How much is a speeding ticket in Kentucky?

The cost of a Kentucky speeding ticket varies based on the severity of the infraction and where a driver was speeding when they were pulled over. Drivers who speed may be charged with fines, have points assessed on their license or have their license suspended.

In Kentucky, a speeding ticket will put the following points on your license:

  • 10 mph or less over the speed limit: 0 points
  • 11-15 mph over the speed limit: 3 points
  • 16-25 mph over the speed limit: 6 points
  • 26 mph or more: Points to be determined by a hearing

Going 26 mph or more over the speeding limit also comes with the potential to suspend your license. Contrary to public belief, license points are not directly tied to insurance costs.  “Kentucky insurance points” don’t exist, as car insurance companies generally do not use a point system to surcharge speeding tickets. However, having a speeding ticket on your record will still probably affect your insurance costs.

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

According to the National Highway Traffic Safety Administration (NHTSA), both genders are equally likely to speed, but men are 50% more likely to drive over the speed limit on a daily basis. A study by the Insurance Institute for Highway Safety (IIHS) found that, in 2019, 71% of all driver deaths were male, and 27% of those deaths were attributed to speeding.

Because of the increased risk of dangerous driving behaviors, men generally pay higher car insurance premiums than women. However, age is also a factor in car insurance premiums; by the time drivers reach 40, premiums are nearly the same between the genders.

Average annual full coverage premium

Age Rate before speeding ticket Rate after speeding ticket % increase
40-year-old male $2,094 $2,718 30%
40-year-old female $2,162 $2,679 24%
Total average $2,128 $2,699 27%

At 40, women pay slightly more before a speeding ticket than men do, but men see a higher increase after a ticket, likely due to the increased risk of future dangerous driving.

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

After you get a speeding ticket in Kentucky, your insurance premium is very likely to increase, but the amount of the increase depends on the severity of the speeding ticket and any other recent violations you have on record. The good news is that there are still ways to save.

Get quotes from other car insurance companies

One of the best ways to save after getting a speeding ticket is to shop around and compare the rates you get from different companies. Some companies don’t increase premiums as much as others after a speeding ticket.

Take a look at the table below to see how much of a discrepancy there can be.

Average annual full coverage premium

Car insurance company Rate before speeding ticket Rate after speeding ticket
Allstate $3,515 $3,924
Geico $1,567 $1,689
Progressive $2,150 $2,728
Shelter $2,400 $3,140
State Farm $1,540 $1,649

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

While shopping for car insurance, you might want to pay particular attention to the price of the quotes you receive, a company’s customer satisfaction scores with companies like J.D. Power and the available coverage types, discounts and policy features that are available.

Take advantage of discounts

While you are rate shopping, take a look at the discounts that a company has to offer. If you also need homeowners or renters insurance, you may be able to take advantage of a bundling discount for buying the policies from the same company. You might also save for going paperless, signing up for automatic payments or insuring more than one car.

Think about your vehicle

The make and model of your vehicle has a big impact on your car insurance premiums. Each type of vehicle has its own set of safety features, as well as different average prices for parts and labor. If you are struggling to keep up with your car insurance payments after a speeding ticket, getting a different vehicle could help. Just make sure you get a quote before purchasing anything to make sure your premium will actually go down.

Drive more safely in the future

Knowing that speeding tickets — as well as other moving violations, accidents and DUI convictions — increase your car insurance rates, you may want to improve your driving habits going forward. If you are able to avoid more incidents on your driving record, you could avoid additional insurance surcharges.

Other speeding ticket considerations

Kentucky law takes speeding seriously. Aside from car insurance increases after a speeding ticket, there are a number of other considerations drivers should know about. For example, there may be court costs, fees and your license could be suspended. You might even have your license permanently revoked or face jail time, depending on the severity of your speeding, the circumstances surrounding the ticket and your past driving record.

Frequently asked questions

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

The best car insurance company after a speeding ticket will vary based on your own needs, wants and rating factors. Some drivers might be looking for the cheapest car insurance policy they can find, while others may have specific coverage needs in mind. Getting quotes from a few different companies could help you compare the options and choose a policy that is right for you.

What is the average cost of car insurance?

The average cost of car insurance in the United States is $1,674 per year for full coverage. In Kentucky, full coverage costs an average of $2,128 per year. Those averages are with clean driving records though; Kentucky drivers with a speeding ticket pay an average of $2,699 per year for full coverage.

How long will a speeding ticket increase my insurance?

Most companies charge for tickets for three to five years. After that point, your ticket shouldn’t affect your premium, but the time period varies by company. Changing companies may not be an effective strategy to get away from a premium increase; car insurance companies can see your prior driving history even if you change carriers.


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.

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

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