Getting a speeding ticket may not seem like the end of the world, but it has more consequences than you might think. In Missouri, a 40-year-old driver who gets a speeding ticket will see their full coverage car insurance rate increase by an average of 18%. However, if you have Allstate or Progressive, your full coverage auto insurance rate might only increase by an average of about 16%.


Compare rates and save on auto insurance today!

ZIP code
Close X
Advertising Disclosure
This advertisement is powered by, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age

Save on auto insurance with quotes from trusted providers like:


Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?


Safe drivers choose Allstate®

Powered by (NPN: 19966249)
Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

If you drive in Missouri, it is important to understand the laws around speeding tickets, including how much the fine costs and how much it could impact your car insurance rate.

How much is a speeding ticket in Missouri?

The cost of a speeding ticket in Missouri depends on how fast the driver was going over the posted speed limit. In general, a speeding ticket in Missouri will cost between $123-$232. Speeding in a construction zone or a school zone will raise the cost of the fine by $25.

In addition, Missouri uses a points system, where drivers collect points on their driver’s license based on certain offenses. Missouri drivers who accumulate eight or more points within 18 months will have their license suspended. For reference, a standard speeding ticket is usually three points.

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

Besides a hefty fine, Missouri drivers who get pulled over for speeding will likely see a dramatic increase in their car insurance premium. On average, 18-year-old drivers will see a rate increase of 14%, and 40-year-old drivers will see a rate increase of 18%. The table below includes the average full coverage premium before and after a speeding ticket for both age groups, as well as the percentage increase. Keep in mind that car insurance rates are based on several factors, so your actual rates may differ.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
18-year-old male $5,565 $6,344 14%
18-year-old female $4,542 $5,169 14%
40-year-old male $1,792 $2,122 18%
40-year-old female $1,746 $2,067 18%

In general, 18-year-old drivers pay a higher average rate for car insurance compared to 40-year-old drivers. Additionally, female drivers typically pay less for car insurance than males in both age groups.

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

Drivers who get pulled over for speeding in Missouri will likely see their car insurance rate increase. Unfortunately, there is not much you can do to avoid getting a higher premium. However, there are several ways that you can potentially save money on your insurance after a speeding ticket.

Get quotes from other car insurance companies

Every car insurance company charges a different rate, regardless of your driving record. If you are paying too much for car insurance after a speeding ticket, get new quotes from other companies to see if you can find a lower rate elsewhere. The table below includes five popular car insurance companies in Missouri and their average annual full coverage premiums before and after a speeding ticket:

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Allstate $2,302 $2,681 16%
Farmers $1,931 $2,416 25%
Geico $1,421 $1,680 18%
Progressive $1,545 $1,979 28%
State Farm $1,453 $1,688 16%

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

When comparing car insurance providers, however, make sure to look at factors besides price. A good insurance company will also offer comprehensive coverage options, multiple discounts and positive reviews from current policyholders.

Improve your credit score

Drivers with a high credit score are often rewarded with a lower car insurance rate. If your credit falls within the good category (739 or below), work on improving your score to potentially get a lower car insurance premium. The savings for having great credit can be significant.

Bundle your policies

Most car insurance companies in Missouri offer a policy bundling discount for drivers who purchase their auto and home, renters or life insurance policy with the same carrier. If you currently have multiple insurance policies with different providers, consider bundling them to get a discount on the combined premium.

Other speeding ticket considerations

In addition to a fine and a higher car insurance rate, Missouri drivers who get a speeding ticket may face other consequences. For example, drivers who get pulled over going more than 25mph over the speed limit must attend traffic court. There is also a mandatory court requirement for drivers who cause an accident while they were speeding.

Frequently asked questions

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

The best car insurance company for drivers with speeding tickets varies. It depends on where the driver lives, how much they want to spend on coverage, what type of coverage they need and more. To find the best car insurance company, it is important to shop around and compare providers using your personal criteria.

How much does car insurance cost in Missouri?

The average cost of car insurance in Missouri is $1,661 per year for a full coverage policy and $468 per year for a minimum coverage policy. For comparison, the average rate in the United States is $1,674 per year for full coverage auto insurance and $565 for minimum coverage. However, every driver pays a unique rate based on factors like ZIP code, age, credit score, claim history and the type of car.

How much car insurance is required in Missouri?

Missouri’s car insurance laws state that every driver must carry at least 25/50/25 personal liability insurance and 25/50 uninsured/underinsured motorist coverage. For more protection, insurance experts often encourage drivers to raise their coverage limits or purchase a full coverage policy, including collision and comprehensive coverage.


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 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.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner.

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