How a speeding ticket impacts your insurance in Washington

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A comprehensive study of speeding-related deaths between 2013 to 2017 found that Washington state has some of the lowest numbers in the U.S. per 100,000 drivers. While this is good news for Washingtonians, speeding has other consequences too. A speeding ticket in Washington means steep penalties and fines and possible license suspension. Plus, your auto insurance premiums are expected to increase, with the average cost of insurance in Washington jumping up 18% based on Bankrate’s 2021 premium analysis.

How much is a speeding ticket in Washington?

The cost of a speeding ticket in Washington depends on the speed limit of where you were caught. If the posted limit is 40 miles per hour (mph) or below, a speeding ticket will cost $125 to $423. If the speed limit is higher than 40 mph, the fines range from $105 to $423.

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

In addition to fines, a speeding ticket in Washington will cause an increase in auto insurance premiums. Whether the driver is a teenager or adult, male or female, the chart below illustrates the average increase to annual premiums.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
18-year-old male $4,732 $5,218 10%
18-year-old female $3,910 $4,320 10%
40-year-old male $1,264 $1,499 19%
40-year-old female $1,233 $1,463 19%

Typically adult female drivers pay less in premiums than teens, especially male drivers. This is based on the amount of risk associated with the age and genders of drivers according to the insurance companies. However, the premium increase may not be as high for teen drivers compared to adults since teens are already paying the highest amount of insurance premiums to begin with.

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

An increase in premiums may be expected, but there are several strategies available to help offset the costs. Even with a speeding ticket on your record, you can still find affordable car insurance and stay within budget.

Get quotes from other car insurance companies

One of the most effective methods for lowering car insurance rates is to shop around and compare rates from multiple auto insurers. The chart below highlights the large difference in costs from one insurance company to the next. You can also see how much a speeding ticket impacts premiums and how different that is from one to another.

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%
American Family $1,766 $1,964 11%
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

Lower premium costs may be your top priority when choosing a new carrier, but other aspects are worth considering. Researching the financial strength of a company and customer service ratings gives another perspective about a company’s performance.

Look for discounts

Whether you switch to a new carrier or choose to stay with your current one, reviewing all available discounts is another way to save. Most insurers offer a range of saving options, some of which you may not have qualified for when you first signed up for your policy. Discounts such as bundling with another policy, going paperless or setting up a new policy before your renewal date are simple ways to save.

Modify existing coverage

Washington laws require Washington residents to have at least a minimum amount of liability insurance coverage. While you should try to keep the right liability coverage that works for your needs, there are other optional coverages you may be able to modify. If you own your vehicle outright, you may consider dropping optional collision or comprehensive coverage. If you need to keep these coverages, consider increasing their deductibles, which can help lower costs.

Other speeding ticket considerations

Unlike most other states, Washington does not use a point system to track moving violations. However, it does track the number of traffic violations you accumulate. If you receive six moving violations within 12 months, or seven within 24 months, you face a driver’s license suspension for 60 days.

Frequently asked questions

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

Many insurers will offer coverage to drivers with a speeding ticket, but comparing several options is a great way to find the best car insurance company. To make a well-rounded decision, check out a carrier’s AM Best rating or J.D. Power scores. Reviewing digital assets, such as the online portal and mobile app, may also be important to you.

Why did my insurance premiums increase after getting a speeding ticket in Washington?

Insurance carriers base premiums on the amount of risk the data suggests a driver has. If a driver has a speeding ticket on their record, the risk of having an accident and filing a claim is perceived to be higher. This means you will pay more for premiums.

How much is car insurance in Washington?

The average cost of car insurance in Washington is $1,176 per year for a full coverage policy. This is less than the national average of $1,674 per year.

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.

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.

Written by
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Senior Insurance Editor