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How a speeding ticket impacts your insurance in Michigan

Tree lined road, Autumn, Harbor Springs, Michigan, United States, North America
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A speeding ticket increases the average cost of car insurance in Michigan by 37%, according to Bankrate’s 2021 study of quoted annual premiums. Unfortunately, speeding is one of the main causes of traffic fatalities and serious injuries in Michigan. Of the 535,721 crashes Michigan had in 2019, 31,421 were a result of speeding.

Knowing that speeding increases your risk of accidents may help you understand why insurance companies typically raise premiums after you receive a ticket. Speeding tickets may be an indication of risky driving behavior, which means you might be more likely to file claims in the future.

How much is a speeding ticket in Michigan?

Michigan’s laws can be complex, and that is reflected in how speeding tickets are charged. The cost of a speeding ticket in Michigan varies based on the severity of the ticket, what type of road you were on and what county you were in. In Branch County, for example, Michigan drivers can expect to pay the following for speeding tickets:

  • 1-5 mph over the speed limit: $115
  • 6-10 mph over the speed limit: $125
  • 11-15 mph over the speed limit: $135
  • 16 mph or over the speed limit: Charged at the discretion of the court system

Also with each speeding ticket come Michigan insurance points. In general, drivers receive two points for each speeding ticket, but it is possible to receive four points for driving 16 miles per hour (mph) over the speed limit. If you receive 12 points, your license will be suspended and you will likely have to pay a $125 fee to get it reinstated.

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

Speeding is on the rise across the nation. According to the Insurance Institute for Highway Safety (IIHS), highway speeding has increased by 14%, while all other roads have seen a 15% increase. Research by the National Highway Traffic Safety Administration (NHTSA) says speeding is a major contributing factor in 26% of all traffic-related deaths.

With speeding a clear cause of accidents, car insurance companies in Michigan generally raise premiums by a substantial margin for those drivers who receive a speeding ticket.

Average annual full coverage premium

Rate before speeding ticket Rate after speeding ticket % increase
$2,309 $3,164 37%

The amount of increase you see after a speeding ticket in Michigan may be more or less than the average of 37%. Insurance companies may consider the severity of the speeding ticket as well as past driving history and other factors when pricing premiums.

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

You are likely going to pay more for car insurance after a speeding ticket. Auto insurance companies are probably going to consider you a greater risk than other drivers and will charge you more for the next several years. However, you can employ some techniques to lower your premium even with a speeding ticket on file.

Get quotes from other car insurance companies

Not every insurance company in Michigan views speeding tickets the same way. Some companies may penalize a speeding ticket more heavily than others, for example.

If you have recently seen an increase in your premium due to a speeding ticket, you might want to shop around to see if you can find a carrier who offers you a lower rate. The table below shows the average cost of car insurance before and after a ticket from some of the largest insurance companies in Michigan; prices vary widely.

Average annual full coverage premium

Car insurance company Rate before speeding ticket Rate after speeding ticket
Auto-Owners $1,982 $2,513
Geico $1,467 $2,298
Progressive $1,394 $1,785
State Farm $3,856 $5,267
Travelers $1,470 $2,619

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

While price is an important factor, it isn’t the only consideration you should think about when shopping for coverage. Available discounts, coverage types, policy features and third-party scores can all help you decide if a carrier is right for you.

Utilize discounts

Most major car insurance companies have at least a few discounts that you might be able to use to lower your premium. If you bundle your home and car insurance with the same company, for example, you could see substantial savings on both policies. You might also save if you insure two or more cars with the same company, sign up for automatic payments or go paperless for your bills and policy documents.

Consider the car you drive

The type of car you drive, including your vehicle’s specific make and model, has a huge impact on the rates you’ll pay for car insurance. Some vehicles are more expensive to insure than others, which could be due to a higher price of parts and labor or a greater statistical likelihood of accidents. Getting a different car might not be the most practical step to take to lower your premium, but if you are already looking for a different car, getting quotes on a few makes and models could help you avoid premium surprises.

Other speeding ticket considerations

Your speeding ticket will likely come with fines and higher insurance premiums, but could come with other consequences too. Depending on the severity of your ticket, you may have to appear in court. If the circumstances warrant it, you may even have your license suspended.

Additionally, not every county in Michigan allows online payment for speeding tickets. Before assuming you can make an online payment after a speeding ticket, you may want to verify if the county participates in the online payment program. Currently, only nine counties in Michigan accept online payment.

Frequently asked questions

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

The best car insurance company will vary by driver. Each driver has a different set of needs and wants when buying coverage. Understanding your own personal wants and needs and then getting several quotes from different companies might help you find an option that fits your circumstances.

Why is car insurance more expensive after a speeding ticket?

Insurance companies view speeding tickets as indications of risky driving behavior. Such behavior might mean you are more likely to file a claim in the future, which would result in the insurance company potentially paying out for the damages that you cause or sustain. Because insurance is based on risk, high-risk drivers are generally charged a higher premium to compensate for the greater likelihood of a claim payout.

How long will a ticket stay on my insurance record?

Once you have a ticket on your driving record, you’ll likely face increased premiums for several years. Most insurance companies charge for tickets for three to five years, but the specific timeframe will vary by company. Changing insurance companies won’t make the surcharge go away, either; insurance companies view your past driving history to accurately 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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