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How a speeding ticket impacts your insurance in Massachusetts

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A speeding ticket increases the average cost of car insurance in Massachusetts by 31%, according to Bankrate’s 2021 study of quoted annual premiums. This is because speeding and crashes often go hand in hand. Speeding could put you at risk for getting into more accidents, and more severe accidents, than drivers going the speed limit. Even so, speeding tickets are relatively common. Understanding how a Massachusetts speeding ticket might impact your car insurance rates could help you better prepare should you be cited for speeding.

How much is a speeding ticket in Massachusetts?

How much does a speeding ticket cost in Massachusetts? While some general guidelines exist within the Massachusetts law, the exact cost of your ticket will depend on the circumstances.

Massachusetts charges $50 plus $10 for every mile over the speed limit, as well as an additional $50 flat fee. If you are cited for going 50 miles per hour (mph) in a 35 mph zone, you will likely pay a $200 fine plus the $50 flat fee for a total of $250.

Additionally, Massachusetts employs a “Safe Driver Insurance Plan,” which is essentially a point-based system that keeps track of both good and poor driving behavior. However, insurance companies are not required to use the system. A speeding ticket in Massachusetts may be considered a minor traffic law violation and will typically put 2 points on your SDIP record. The exact number of points could depend on your speed though; higher rates of speed could be considered more dangerous and thus be classified differently.

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

According to the National Highway Traffic Safety Administration (NHTSA), speeding killed 9,478 people across the U.S. in 2019 and was a contributing factor in 26% of all traffic-related deaths. Nevertheless, speeding is on the rise. The Insurance Institute for Highway Safety (IIHS) notes that interstate and freeways have seen a 14% increase in speeding, and all other roads a 15% increase. Because speeding is a risky behavior, car insurance companies generally increase premiums accordingly if you have one or more tickets on your driving record.

Average annual full coverage premium

Rate before speeding ticket Rate after speeding ticket % increase
$1,223 $1,602 31%

According to Bankrate’s research, the average cost of insurance in Massachusetts increases by 31% after a single speeding ticket. The increase you see, however, may be more or less depending on the severity of your speeding ticket and your past driving history.

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

Though you will likely see a jump in your premium after receiving a speeding ticket, you may be able to lower your bill. Knowing what methods to use to get cheaper insurance could help you be better prepared for the financial fallout of your citation.

Get quotes from other car insurance companies

Shopping around and getting quotes from the best car companies in Massachusetts could help you find a lower rate. Most providers charge for speeding tickets but some do not penalize as heavily as others. The table below shows the average cost of car insurance before and after a speeding ticket from some of the largest car insurance companies in Massachusetts.

Average annual full coverage premium

Car insurance company Rate before speeding ticket Rate after speeding ticket
Allstate $1,312 $1,332
Amica $1,398 $1,618
Geico $1,026 $1,166
Progressive $1,749 $2,413
Travelers $1,936 $2,508

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

While shopping for car insurance, you may want to pay particular attention to customer satisfaction scores (like those from J.D. Power), financial strength ratings (like those from AM Best) and online customer reviews. These might help you decide if a company fits your needs.

Increase your deductible

If you have full coverage, you have both a comprehensive deductible and a collision deductible. These car insurance deductibles are the amount you will pay out of pocket if you file a claim for damage to your vehicle. If you’re willing to pay a bigger share of a claim, you can increase one or both deductibles, which generally lowers your premium. Just make sure you can afford the deductible level that you choose.

Take advantage of discounts

Most providers offer a variety of car insurance discounts. You might save by going paperless, paying in full or having certain safety features on your car. One of the largest discounts is the bundling discount, which saves you money when you insure two different policy types with one company. The most common bundle is home and auto, but you may also save if you bundle your auto and renters insurance or add other product lines, like life or pet insurance.

Consider your vehicle

The make and model of your vehicle impacts how much you pay for car insurance. Some cars are more expensive to repair or replace or may have higher likelihoods of accidents and thus cost more to insure. While getting a different car may not be the most practical way to lower your premium, it could be an option if you are already shopping for a different vehicle.

Other speeding ticket considerations

Massachusetts does not take speeding lightly. If you receive three or more speeding tickets within a 12-month period, your license could be suspended. No matter how many speeding tickets you get or how often, you’ll likely face fines and you may need to appear in court.

Frequently asked questions

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

The best car insurance company after getting a speeding ticket will depend on your own particular rating factors as well as your needs and wants. The best company for someone with one speeding ticket may be different from the best company for someone with multiple tickets. Additionally, the coverage types, discounts, policy features and company attributes that you are looking for will impact your decision. Getting quotes from several companies could help you choose which is best for you.

How much does your insurance go up after a speeding ticket?

Our research found that Massachusetts drivers see an average increase of 31% in their car insurance premiums after a speeding ticket. Just remember other factors influence the cost of car insurance besides your driving history. Your age, the type of car you drive and the coverage types you choose will all change how much you pay.

How long will I be charged for a speeding ticket?

Most insurance companies charge for speeding tickets for three to five years after the ticket date. However, that period of time is completely up to the company; you may be surcharged for a shorter or longer period of time. Changing companies does not mean a speeding ticket will no longer be charged; insurance companies can see your driving history, even with past insurers, when they run their reports to rate your policy.

Methodology

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.

Written by
Lauren Ward
Insurance Contributor
Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, life insurance, and other topics in the personal finance industry.
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