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Although it will only impact your insurance premiums for three to five years, on average, a speeding ticket will show up on your motor vehicle record (MVR) indefinitely. Bankrate can help you understand how a speeding traffic ticket affects your auto insurance premium, policy eligibility and driving status. Our research into the ramifications of a moving violation could help you if you are convicted of speeding and might allow you to find ways to lower your premium.

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Key takeaways
  • A speeding ticket conviction increases the average annual car insurance premium by 21%.
  • A speeding ticket impacts your car insurance rates for an average of three to five years.
  • You may be able to save on auto insurance by bundling policies, shopping around or taking an approved defensive driving course.

Speeding tickets and auto insurance premiums

When it comes to speeding tickets and auto insurance rates, an insurance provider will typically evaluate driving records to determine your risk level. A speeding ticket conviction on your MVR means that insurance companies may view you as a higher risk. To compensate for this risk, you could be charged a higher premium depending on how recently the ticket occurred.

Each state’s Department of Motor Vehicles (DMV) keeps track of traffic violations using a point system. No matter where you live when you are convicted of a speeding ticket, a certain number of points will likely be assessed on your driver’s license. The number of points could depend on how far you traveled over the posted speed limit. In many states, the more you are over the speed limit, the more points will be assessed to your driving record.

Many drivers who are convicted of a speeding ticket see an increase in auto insurance costs upon their next policy renewal. Although the national average increase for full coverage rates with a speeding violation factored in is about 21%, according to Quadrant Information Services, this can vary based on a number of factors. Each auto insurance company has its way of setting rates, meaning your premium increase will vary based on your company. If you have other incidents on your driving record or if your speeding ticket was severe enough, you may be considered a high-risk driver and have to search for nonstandard car insurance.

How a speeding ticket impacts insurance premiums
Pre-speeding ticket annual premium Post-speeding ticket annual premium Percent increase
National average $1,771 $2,138 21%

Speeding tickets and auto insurance eligibility

Having a speeding ticket on your record may affect more than just how much you pay for insurance — it could affect your eligibility for coverage with various car insurance companies. But how long does a speeding ticket affect your auto insurance premium? To determine your risk, insurance companies will evaluate your MVR and Comprehensive Loss Underwriting Exchange (CLUE) report to learn how many accidents, tickets and other incidents, such as DUIs, you have had in the past three to five years, on average. Each company will have its own underwriting guidelines dictating how far back they will assess your driving record.

The number of incidents and the severity of these incidents may also influence your auto insurer when it is determining your premium. The more tickets and other incidents you have on your MVR and CLUE, and the more severe those incidents are, the higher chances you encounter auto insurers that decline to write your policy. This can become further complicated if your driver’s license was suspended. Finding auto insurance coverage with a suspended license can be tricky, but it is possible. You may need to choose an auto insurer specifically geared toward insuring high-risk drivers.

How long does a speeding ticket stay on your record?

It depends on what kind of record you’re talking about. You’ll likely always see your speeding ticket on your MVR since an MVR is a record of traffic incidents. However, auto insurers typically consider speeding tickets listed on your MVR within three to five years as rating factors, but it may be more with certain carriers.

Getting a speeding ticket impacts your insurance premiums and could significantly affect other aspects of your life, including your budget. You may be wondering, “How much does a speeding ticket cost?” The answer is not straightforward. After a citation, you may have to pay court fees, fines and attend a driving safety program. Depending on the severity of your offense, your license may be suspended, and there could be an additional fee to reinstate it. The cost of a speeding ticket can vary based on your state, how fast you were driving above the posted speed limit, how much your insurance increases and what financial penalties you may face from the city, county or state where your citation was issued. Understanding your state’s laws can help prepare you for the aftermath of a speeding ticket.

How to save on car insurance with a speeding ticket

Although your premium will typically increase after you receive a speeding ticket, there are ways you can save on your auto insurance. Many carriers offer discounts that can help offset the increased costs of auto insurance after a speeding ticket. Here are a few ways to potentially save on car insurance if you are being impacted by a speeding ticket:

  • Shop around: Every company has its own rating system, which means some companies might rate your speeding ticket more heavily than others. Getting quotes from several companies might help you find a carrier that offers you the same coverage for less.
  • Take a defensive driving course: Some auto insurers offer a discount for drivers who complete an approved defensive driving course or a driver’s education program. This discount is not available from all companies or in all states, so be sure to talk to a representative from your company or your insurance agent before you sign up for a course.
  • Bundle your policies: Most insurance companies that provide multiple lines of insurance, like home and auto policies, offer a savings opportunity for buying more than one type of policy, often called bundling. For example, if you have a home and a vehicle, buying both policies from the same carrier will typically generate significant savings on each.
  • Take advantage of discounts: Most companies offer car insurance discounts to help drivers save on their auto insurance. In addition to the bundling discount, some common savings opportunities include paying in full, signing up for paperless bills and statements, enrolling in a telematics program and driving a fewer-than-average number of miles per year.

Speeding tickets are one of the most common traffic violations, and having one on your record can have significant financial and practical impacts on your life. Depending on the state you live in and the amount you exceeded the speed limit, as well as the total number of points accumulated on your MVR, you may be dealing with the fallout of a ticket for several years. Thankfully, most auto insurers often offer discounts or savings opportunities that can help lower your insurance cost after a speeding ticket.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all 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 coverages that meet each state’s requirements. Our base profile drivers own a 2020 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), single speeding ticket.