How a speeding ticket impacts your insurance in North Dakota

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Speeding tickets are one of the most common traffic violations. You might think that a speeding ticket is relatively harmless, but in reality, it can have a number of consequences. In addition to a ticket fine, having a speeding ticket on your record in North Dakota will also impact your car insurance premium.

How much is a speeding ticket in North Dakota?

In North Dakota, you can receive a speeding ticket for driving over the posted speed limit. The fine for a speeding ticket in North Dakota depends on the severity of the violation. For instance, a driver can be fined $30 for going 6 mph over in a 70 mph zone or $50 for going 16 mph over in a 60 mph zone.

In addition, drivers who receive a speeding ticket in North Dakota will have points added to their driving record. The number of points is determined by the severity of the incident. North Dakota drivers who have six points or more on their record are at risk of losing their driving privileges temporarily.

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

Drivers in North Dakota who receive a speeding ticket will see an increase in their car insurance premium. The actual rate hike will depend on the severity of the violation, but the average rate increase in North Dakota is around 17% or 18%. In addition, the driver’s age and gender can also impact the premium increase.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
18-year-old male $4,103 $4,834 18%
18-year-old female $3,429 $4,036 18%
40-year-old male $1,340 $1,574 17%
40-year-old female $1,321 $1,550 17%

Generally speaking, females will experience a larger rate increase than males after a speeding ticket in North Dakota. Similarly, older drivers will typically face a smaller rate increase after a ticket than young drivers.

How to lower your car insurance after a speeding ticket in North Dakota

Getting a speeding ticket in North Dakota will result in a car insurance premium increase, even if you have a perfect driving record otherwise. However, there are ways that you can save money on car insurance after a speeding ticket.

Get quotes from other car insurance companies

After a ticket, the amount that your premium will increase is somewhat dependent on your insurance company. One of the best ways to get a lower rate is to switch to a different insurance company that will not increase your rate as much. In the table below, we have included several popular car insurance companies in North Dakota and the average rate increase after a speeding ticket:

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Auto-Owners $1,395 $1,574 13%
Geico $1,421 $1,680 18%
Nationwide $1,423 $1,696 19%
North Star Mutual $1,556 $2,085 34%
QBE $1,415 $1,755 24%

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

Before switching insurance companies, do some research to find insurance companies that meet your personal needs in terms of coverage and discounts. Take some time to look into third-party reviews and policyholder ratings to get an idea of the customer experience. Then, get quotes from a few providers and see what rate they can offer you.

Look for discounts

If you get a speeding ticket in North Dakota, make sure you are taking advantage of every discount you can qualify for to keep your rate low. Many insurance companies offer discounts that are easy to claim without having a perfect driving record. You can usually save money for paying your annual premium in full, enrolling in automatic payments, taking a defensive driving course and insuring multiple vehicles on your policy.

Raise your deductible

If you cannot avoid a major rate hike after a speeding ticket, consider raising your deductible to get a lower monthly premium. Just make sure you can afford a higher out-of-pocket cost in the event that you need to file a claim. Also keep in mind that most insurance companies have a maximum deductible, which is usually around $2,000.

Other speeding ticket considerations

Getting a speeding ticket in North Dakota comes with additional consequences besides a more expensive insurance rate. At a minimum, you will receive a fine that correlates to the speed you were traveling over the posted limit. If you want to contest the speeding ticket, you will have to go to traffic court.

Another thing to consider is that, if you were caught doing something else illegal while you were speeding, the penalties could be much more severe. For example, if you were texting and speeding, or driving recklessly and speeding, you will pay a much higher fine, and you could potentially lose your driving privileges.

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 on their record will vary. It depends on where you live, what type of coverage you need, your budget and more. Choosing the best car insurance in North Dakota starts by comparing providers using your personal criteria.

How much does car insurance cost in North Dakota?

In North Dakota, the average cost of car insurance is $1,264 per year for a full coverage policy and $105 per year for a minimum coverage policy. The average rate in North Dakota is lower than the United States national average rate, which is $1,674 per year for full coverage insurance.

How much car insurance is required in North Dakota?

Car insurance is a legal requirement in North Dakota. Drivers must carry at least 25/50/25 personal liability insurance in order to meet North Dakota’s car insurance laws. A minimum coverage policy includes $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident and $25,000 in property damage coverage per accident.

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 18-year-old and 40-year-old male and female drivers 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.

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

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
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