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How a speeding ticket impacts your insurance in Oregon

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In 2019, Oregon logged over 50,000 vehicle crashes and speeding was listed as one of the top errors in driving. Speeding not only creates dangerous road conditions for the driver and others, but if caught, it can result in steep fines and penalties. In addition to these fines, drivers with speeding tickets in Oregon can expect their auto insurance premiums to increase. The average cost of car insurance in Oregon increased by nearly 20% after a speeding ticket, according to Bankrate’s 2021 study of quoted annual premiums from Quadrant Information Services.

How much is a speeding ticket in Oregon?

A speeding ticket in Oregon can end up being an expensive violation. Oregon classifies speeding tickets based on how much over the speed limit you were ticketed, which also determines the fine. It is broken down into classes of fines including:

  • One to ten miles per hour over (mph) the limit is a class D traffic violation and a fine of $115
  • 11 to 20 mph over is a Class C traffic violation and a fine of $165
  • 21 to 30 mph over is a Class B traffic violation and a fine of $265
  • Over 30 mph over is a Class A traffic violation and a fine of $440. A license suspension of up to 30 days is also possible if the driver has another speeding violation in the past 12 months
  • 100 mph or more over the limit is a specific traffic violation of reckless driving and a fine of $1,150, plus a mandatory 90-day license suspension

Fines are nearly double if they occur in a construction or a school zone. In addition to fines, there could be other fees tacked on to the total.

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

A speeding ticket will likely cause a substantial increase in premiums. In the examples below, the increase is between 18% to 19%, depending on the gender of the driver. Typically, female drivers pay less for premiums versus male drivers.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
40-year-old male $1,454 $1,727 19%
40-year-old female $1,454 $1,722 18%

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

While an increase in premiums after a speeding ticket in Oregon is expected, it does not mean you no longer have access to savings. Fortunately, there are numerous methods to save on premiums, especially if you are willing to do extra homework.

Get quotes from other car insurance companies

One of the best strategies to save money is to shop around and compare quotes from multiple carriers. This will tell you which carrier provides the best rates based on your exact parameters. The chart below shows the wide range of rates among some of the different carriers in the state, and how much a speeding ticket impacts the premiums.

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Allstate $862 $2,215 157%
American Family $1,017 $1,689 66%
California Casualty $948 $1,602 69%
Capital $1,035 $1,231 19%
Country Financial $1,049 $1,730 65%
Farmers $1,038 $1,556 50%
Geico $1,093 $1,533 40%
Nationwide $1,265 $1,659 31%
Progressive $1,518 $1,608 6%
QBE $1,104 $1,784 62%
Sentry $1,250 $3,356 168%

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

Cost is a big factor in choosing a new carrier, but there are other aspects to consider. Researching the customer service ratings, financial strength reports and coverage options are other points to note as you are making a decision.

Modify coverage selections

Whether you stay with your current carrier or make the switch, modifying coverage selections is another way to save. You may be able to reduce deductibles with comprehensive and collision coverage, which may lower the amount of premiums. After reviewing your coverage, you may realize there are options on there you no longer need, such as gap insurance or roadside assistance.

Review all available discounts

Discounts are another easy way to save, and most carriers offer quite a few for policyholders. Most offer potential savings for bundling policies, adding multiple vehicles and maintaining good grades. However some carriers offer options you may not realize you may qualify for, such as a new car discount or a green vehicle discount.

Other speeding ticket considerations

Unlike most other states, Oregon does not use a point system for traffic violations. However, this does not mean there are not serious consequences for multiple speeding violations. If you receive three moving violations, including speeding, within 18 months, it results in a license suspension for 30 days. If you receive any further violations during this period, you get another 30 day suspension.

Frequently asked questions

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

To find the best insurance company, including for drivers with speeding tickets, be sure to compare quotes from multiple providers. Not only does this give you a snapshot of the lowest rates for you, it also shows which carrier has the coverage options you want.

Do I need to tell my insurance provider if I have a speeding ticket in Oregon?

No, you are under no obligation to report a speeding ticket to your carrier. However, the carrier will most likely find out during the next review period. These typically take place when it is time for your policy renewal.

Why did my car insurance rates increase after a speeding ticket?

Insurance carriers calculate risk for every driver, and this also influences the cost of your premiums. If you have a ticket on record, the carrier assumes you are a riskier driver. You may still be able to find ways to save on insurance though, such as with discounts and comparison shopping quotes.


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
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar,, and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor