How much will your insurance increase after getting a speeding ticket in New York? Although the amount will vary by each insurance company and several other factors, Bankrate’s 2023 study of quoted annual premiums found that the average cost of car insurance in New York increases by 8 percent. Speeding is extremely dangerous, resulting in 29 percent of all traffic fatalities, according to the National Highway Traffic Safety Administration (NHTSA). Find out how having a speeding ticket may impact your auto insurance rates in New York.


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How much is a speeding ticket in New York?

Several factors determine how a speeding ticket impacts your insurance premium. The two most significant factors for rates after getting a speeding ticket are your driving history and the severity of your speeding ticket. A speeding ticket of 10 mph or over is not going to affect your premium as much as 30 mph over.

Unlike other states in the country, New York laws make it very clear what drivers can expect to happen after a speeding conviction. Speeding ticket costs in New York are as follows:

  • Up to 10 mph over the speed limit: $45-$150 in fines with possible jail time of up to 15 days
  • 11-30 mph over the speed limit: $90-$300 in fines with possible jail time of up to 30 days
  • Over 30 mph above the speed limit: $180-$600 in fines with possible jail time of up to 30 days

Drivers can expect to receive increased fines for repeat offenses within an 18-month window. Should a driver receive three or more speeding convictions within 18 months, license revocation is likely.

In addition to fines, New York drivers also receive penalty points (also called New York insurance points) for each violation they are convicted of. The points for speeding are as follows:

  • 1-10 mph: 3 points
  • 11-20 mph: 4 points
  • 21-30 mph: 6 points
  • 31-40 mph: 8 points
  • 41 or above: 11 points

In New York, drivers who receive 11 points within an 18-month period are subject to potentially having their license suspended. Should this happen, they might have to pay a reinstatement fee and take a driving safety course after the suspension period is over.

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

According to a study conducted by the NHTSA, 29 percent of fatalities are caused by speeding. In New York alone, 30 percent of all traffic fatalities result from speeding. New York drivers who are convicted of speeding must face several consequences for breaking the law. In addition to facing a speeding fine up to $1,000 and potentially having your license suspended, your insurance premiums will likely increase.

Average annual full coverage premium

Full coverage rate before speeding ticket Full coverage rate after speeding ticket % increase
New York average $3,139 $3,400 8%

How to lower your car insurance after a speeding ticket in New York

A New York speeding ticket usually means higher insurance premiums. Even so, there are things drivers can do to lower their monthly costs. Provided drivers keep their driving record free of further convictions, the strategies below should help.

Get quotes from other car insurance companies

The percentage increase in rates after a speeding ticket varies with each insurance company. As the table below illustrates, some companies increase rates more drastically than others. For this reason, drivers should consider shopping around after receiving a speeding ticket, as they may save a significant amount of money by changing providers.

Average annual full coverage premium by car insurance company in New York

Car insurance company Rate before speeding ticket Rate after speeding ticket
Allstate $3,353 $3,994
American Family $1,095 $1,140
Chubb $3,766 $4,364
Encompass $3,849 $3,849
Erie $2,468 $2,740
Esurance $4,553 $4,553
Geico $2,461 $2,583
Kemper $4,660 $4,660
Preferred Mutual $5,204 $5,617
Progressive $1,942 $1,966
State Farm $2,888 $3,296
Travelers $3,369 $3,653
USAA $3,472 $3,786
Utica National $4,416 $4,416

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

While rate shopping, it may help to research each company’s J.D. Power rating for customer satisfaction and any online reviews other customers have left. By doing this, you may be able to tell whether or not you want to work with a company. For example, some providers are better to work with during claims than others.

PIRP / Driving Safety Course

Standing for “Point and Insurance Reduction Program,” New York’s PIRP program can help drivers remove points from their record and save a percentage on their insurance premiums. There is a fee to take the course, but drivers can take the course entirely online at their convenience. Completing a course does not remove the violation from a record, but it could remove points, which could help prevent license suspension in case future convictions occur.


Discounts for bundling insurance policies are common, but are also one of the more powerful discounts in the market. Bundling occurs when you purchase more than one policy from the same provider. Car insurance policies are commonly bundled with homeowners, renters and life insurance to receive a discount. The amount drivers save by bundling varies with each provider, but many companies are known to give significant savings to multi-policy customers.

Other speeding ticket considerations

Should someone’s driver’s license be suspended after receiving too many New York speeding tickets, there is a suspension termination fee of $50. However, if the fee was administered for an incident involving alcohol, the fee may be up to $100. You can typically pay this fee online, through the mail or at a local DMV office. To do this you will need your DMV number, birthday, and the last four digits of your Social Security Number.

Frequently asked questions

    • The best insurance companies for drivers with speeding tickets will vary per person. Each company increases rates differently based on its rating factors. However, comparing quotes from multiple companies after receiving a speeding ticket could help you determine which one offers you the best rate or coverage.
    • The average cost of car insurance New York drivers pay for full coverage car insurance is $3,139 per year. The current U.S. average is only $1,371 annually. However, the exact price drivers pay is based on a variety of factors, some of which include driving history, car make and model, driver age and ZIP code.
    • Each driver has different needs when it comes to car insurance. At Bankrate, we consider J.D. Power customer satisfaction scores and average premium costs, provided by Quadrant Information Services, in our analysis. We have found several top providers in New York based on this criteria, but each driver likely has their own needs.


Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 2021 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.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base) and a 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.