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Joanna Johnson

Car Insurance Expert
Updated: 10/2019

Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.

Many motorists fear being issued a speeding ticket for several reasons, one being the threat of it having an impact on their auto insurance rates. Most motorists do expect a slight increase in their insurance premiums after being issued a speeding ticket, however some experience significantly higher increases than others.

If you’re concerned about whether or not your auto insurance will increase and how high those increases may be, read on. The information below will provide you with more details along with some options that you can consider.

Do Speeding Tickets Affect Insurance?

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How Much Auto Insurance Increases After Receiving a Speeding Ticket

After a driver receives a speeding ticket, car insurance rates could increase as much as 22 to 30 percent on average. After an analysis was performed by industry experts, it has been determined that auto insurance rates increase higher in some states than they do in others.

Grant it, even motorists with good driving records can expect to pay higher rates after a speeding ticket. The amount of the increase depends on the state where the insurance was issued.

Auto insurance increases based on the number of miles per hour over the speed limit the motorist was driving. Basically, it’s broken down into three different categories. Rate increases are based on speeds that were

– 11 to 16 mph over the speed limit

– 16 to 29 mph over the speed limit

– 30 mph or more above the speed limit

The following states have the highest insurance rate increases for motorists who have been issued a speeding ticket for driving between 11 to 16 miles over the speed limit:

-North Carolina – 50 percent, which is a dollar increase of approximately $583.

-California – 34 percent, which is a dollar increase of approximately $605.

-Idaho – 30 percent, which is an average dollar increase of $301.

-Oklahoma – 30 percent, which is an average dollar increase of roughly $436.

-Michigan – 29 percent, which has an average dollar increase of approximately $996.

Consequently, the states indicated below has the lowest insurance rate increases for motorists who have been issued a speeding ticket for driving between 11 to 16 miles over the speed limit; they include:

-Montana – 8 percent, which is a dollar increase of approximately $126.

-Pennsylvania – 9 percent, which is an average dollar increase of $134.

-Hawaii – 10 percent, which is an average dollar increase of $130.

-Missouri – 10 percent, which is a dollar increase of roughly $125.

-New York – 12 percent, which is a dollar increase of approximately $146.

The following states have the highest insurance increases for motorists who have been issued a speeding ticket for driving between 16 to 29 miles over the speed limit; they include the following states:

-North Carolina – 50 percent, which has an average dollar increase of $583.

-Michigan – 43 percent, which has an average dollar increase of $1010.

-California – 34 percent, which has an approximate dollar increase of $605.

-Florida – 31 percent, which has a dollar increase of roughly $692.

-Kentucky – 30 percent, which has a dollar increase of approximately $478.

The states indicated below has the lowest insurance rate increases for motorists who have been speeding between 16 to 29 miles over the speed limit. Those states include the following:

-Pennsylvania – 9 percent, which has a dollar increase of approximately $134.

-Hawaii – 10 percent, which has a dollar increase of $130.

-Missouri – 11 percent, which has an average dollar increase of $136.

-Montana – 12 percent, which has an average dollar increase of $195.

-Vermont – 14 percent, which has an approximate dollar increase of $163.

The following states have the highest insurance rate increases for motorists who have been issued a speeding ticket for driving 30 miles over the speed limit or higher; those states include the following:

-Michigan – 70 percent, which has a dollar increase of $1,666; one of the highest rates in the industry.

-Georgia – 59 percent, which has a dollar increase of approximately $1064.

-Kentucky – 52 percent, which has a dollar increase of roughly $852.

-North Carolina – 50 percent, which has an increase of approximately $583.

-Delaware – 50 percent, which has a dollar increase of roughly $918.

The states indicated below has the lowest insurance rate increase for motorists who have been issued a speeding ticket for driving 30 miles over the speed limit or higher. The states include the following:

-Pennsylvania – 9 percent, which has a dollar increase of $134

-Hawaii – 10 percent, which has an average dollar increase of $130.

-Missouri – 11 percent, which has a dollar increase of approximately $136.

-Montana – 12 percent, which has a dollar increase of $195.

-Texas – 15 percent, which has an average dollar increase of $224.

Cost Associated with Filing Insurance Claims

We all know that after an auto accident, most all insurance rates increase regardless of what state you live in. According to a joint insurance study Performed by Quadrant Information Services and InsuranceQuotes, after one single auto insurance claim has been submitted, insurance premiums increase significantly. This suggests that there are expenses associated with filing an auto insurance claim. Industry experts expect these increases to continue to rise. This trend has been noticed in that incremental insurance costs have risen within the past few years following the execution of an insurance claim. However, additional observations have been made as a result of the study, prices increase higher in some states than they do in others for different types of claims in general. For example, the following five states have reported the highest insurance rate increases after an auto claim worth $2,000 in damages has been submitted.

-California – 63.1 percent

-New Hampshire – 60.3 percent

-Texas – 59.9 percent

-Massachusetts – 57.3 percent

-North Carolina – 57.3 percent

Unfortunately, these rates are significant and apply even if you have had a good driving record in the past.

According to the study, states containing the lowest premium increase after a claim has been submitted for roughly $2,000 or more consist of the following:

-Maryland – 21.5 percent

-Michigan – 26.1 percent

-Oklahoma – 27.9 percent

-Montana – 30.2 percent

-Kentucky – 30.6 percent

Why do Variations in cost Increase from State to State?

According to the feedback received from industry experts, each state has its own insurance regulations. For example in 1988 a proposition was passed by voters in California that limited what insurance companies could use to set auto rates, and as a result, from that point forward premiums were based on the following:

– the driving record

-the average number of miles that have been driven

-the number of years of experience the motorist has

Other states have completely different factors that govern their insurance laws, such as the state of Maryland. Maryland insurance laws base its premiums on a wide variety of other factors such as age, occupation, gender, marital status, and the motorist’s credit score.

Type of Claims That Increase Insurance Premiums the Most

Auto insurance increases the most when the following three areas take place.

  1. When speeding tickets have been issued multiple times within three years
  2. When speeding results in bodily injuries
  3. When speeding results in comprehensive damages

Each of these areas is explained in more detailed below.

  1. Multiple speeding tickets issued within three years

Motorists who receive multiple speeding tickets within three years will likely be considered a high-risk driver by their insurance company. Once insurance companies classify motorists as a high-risk driver, their insurance rates will be a lot higher. For example, those cited with a minimum of two speeding tickets in three years will experience an average increase in their insurance premiums of about 43 percent. This amount increases each time the driver is cited for speeding.

  1. Speeding resulting in bodily injuries

Additional information provided by the InsuranceQuotes study indicates claims that include bodily injuries are responsible for causing insurance premiums to spike higher than claims that do not involve physical injuries. If your speeding results in an auto accident, not only will motorists have the speeding ticket to deal with, but they will also experience issues associated with negligence as well.

Speeding tickets that involve claims with bodily injuries are very costly and triggers caution from insurance companies. In fact, almost all states (with exception of New Hampshire,) requires motorists to have a certain amount of insurance coverage for bodily injuries.

One insurance claim containing a single bodily injury can result in an increase of up to 48.6 percent on average. But unfortunately, the premium rates spike even higher after bodily injury claims are filed. The states with higher rate increases include:

-California, 73.2 percent

-New Hampshire, 65.9 percent

-North Carolina, 65.9 percent

-Texas, 64.8 percent and

-Massachusetts, 62.3 percent

The premiums associated with claims involving bodily injuries are exceptionally higher due to high medical expenses associated with physical injuries. Additionally, medical costs can last for months depending on the injuries.

  1. Speeding that results in comprehensive claims

Consequently, comprehensive auto insurance claims have significantly lower insurance increases compared to claims involving speeding that resulted in bodily injuries. Comprehensive auto insurance typically involves incidents such as hitting an animal while driving on the road, damages caused by harsh weather or malfunctions due to the use of poor gas.

Cost increases are significantly lower for comprehensive claims. However, motorists will notice a 2% increase after submitting claims involving comprehensive auto accidents in addition to increases associated with speeding alone.

States that report higher insurance rate increases associated with comprehensive claims includes the following:

-Nebraska – 10.6 percent

-Louisiana – 9.7 percent

-Minnesota – 7.1 percent

-Wisconsin – 6.9 percent

-Iowa – 6.8 percent

Motorists who have been issued a speeding ticket plus have comprehensive damages will notice additional rate increases for both incidents.

Alternative Options That Can be Taken

Since most insurance companies review motorist’s driving records when it’s time to renew their policy, most of the drivers will not experience a rate increase until the renewal takes place. In the interim, it may be a good idea to shop around and find insurance companies that offer lower rates.

Although there is normally a time lapse before a motorist’s driving record is updated, new technology allows driving records to be updated a lot sooner. However, when shopping for a new insurance company, your updated information will likely become available sooner through the DMV and other records.

When motorists are issued their driver’s license by their state, it was issued under the assumption that the applicant was a responsible driver. Speeding has a lot of consequences. Not only do drivers who drive beyond the speed limit put their lives at risk, but they put other lives at risk as well. In addition to that, insurance companies and the DMV maintains records of such incidents. In addition to getting higher insurance rates, drivers who receive too many speeding tickets that also involves negligence due to speeding could have their licenses suspended or revoked.

FAQ

Speeding is one of the most common traffic violations a person can receive. While speeding usually results in a ticket and a fine, there are some other consequences that come along with it. For your insurance company, speeding reflects the type of driver you are, and it even has an impact on your premiums.

Check out the answers we’ve provided on how speeding has an impact on your insurance and what it does to your rates.

When Does Speeding Affect Insurance?

When a person is caught speeding, they may be wondering when it is going to have an impact on their insurance. There are a few factors to consider when it comes to speeding and how much it can change your insurance rates. The answers provided below give some important information on what insurance companies do after you’ve been given a speeding ticket.

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Do speeding tickets affect insurance?

Speeding tickets do have an impact when you are trying to purchase insurance, and you will more than likely be charged more. The way speeding tickets affect insurance varies from company to company.

How long does a speeding ticket affect your insurance?

Most tickets won’t have an impact on your insurance for longer than three years. If you drive significantly over the speed limit, your insurance company may increase your rates for up to 10 years. 

Do camera speeding tickets affect insurance?

Unlike police issued tickets, tickets caused by cameras are do not have an effect on your insurance rate. While you still must pay the fine that comes with your camera speeding ticket, your insurance company cannot legally increase your rates.

Will a speeding ticket affect my insurance?

A speeding ticket usually won’t immediately impact your insurance rates, but if your driving record reflects that you have a speeding ticket, you will more than likely get charged more the next time you purchase insurance or when renewal occurs. Get fast auto insurance quotes using our form above and see what your rates would be.

Does a speeding ticket show up on insurance?

A speeding ticket won’t show up on your insurance, but it will be a part of your driving record. If your speeding ticket shows up on your driving record, it likely has an impact on your insurance. 

Are speeding tickets reported to insurance?

Speeding tickets aren’t reported to insurance companies directly. For an insurance company to discover whether someone has a speeding ticket, they must get a driving record from that person’s state DMV.

Does first speeding ticket affect insurance?

The first speeding ticket may still have an impact on your insurance. In most cases, the first ticket you receive won’t immediately have an impact but could raise it when you renew or purchase insurance from a different company.

When do speeding tickets come off insurance?

The time at which speeding tickets come off insurance varies from state to state. For most cases, speeding tickets come off driving records after three to five years, and insurance companies stop penalizing you at that time.

Does a 10 over speeding ticket affect insurance?

Yes, a 10 over speeding ticket will affect your insurance. A 10 over speeding ticket usually impacts your insurance and raises its rate by around 11 percent, but that increase depends on the insurance company.

Do speeding tickets affect insurance State Farm?

Yes, speeding tickets do affect State Farm insurance. A speeding ticket for going 10 mph over the speed limit won’t affect your insurance rates unless it is attached to a DUI or another violation.

Will a speeding ticket raise my insurance Progressive?

When Progressive is your insurance provider, a speeding ticket may raise your rate. If it is your first offense, Progressive may not increase your rates at all, but it depends on the severity of your traffic violation.

Can insurers check speed awareness course?

Insurers cannot check whether a driver has taken a speed awareness course unless the driver admits to it. If you fail to reveal this information and make a claim, you may find out that your policy is invalid.

Does out of state speeding ticket affect insurance?

It is possible for an out-of-state speeding ticket to affect your insurance. Not all states treat these tickets the same and, in some cases, it can be years before your insurance company finds out about the traffic violation.

Will a speeding ticket affect GEICO insurance?

Yes, GEICO will change your insurance premium if you have a speeding ticket. Depending on your state, GEICO may not raise your insurance rate after your first violation. A speeding ticket won’t affect your insurance until your policy renews but this is also a good time to compare auto insurance to see how other companies are counting the ticket or not.

Will insurance pay out if I was speeding?

In most cases, if you were not driving recklessly or speeding excessively, insurance will still pay out. Unless you were cited for excessive speeding, the insurance company wouldn’t be able to state that you did so.

How many speeding tickets affect insurance?

Each individual speeding ticket you receive has an impact on your insurance. The severity of the speeding violation for each ticket determines how much your insurance premiums increase when you renew it or switch to a different provider.

How much can a paid speeding ticket affect your insurance?

After you receive a speeding ticket, your insurance rates go up based on the severity of the traffic violation. A paid speeding ticket will still affect your insurance until it is removed from your driving record, which is usually after three years.

Will a speed awareness course affect insurance?

While it is true that insurers are likely to raise your premiums for a speeding violation, the same cannot be said for taking a speed awareness course. In most cases, these courses won’t have any impact on your insurance.

What happens if you get caught speeding with no insurance?

If you get caught speeding with no insurance, you will be required to pay the ticket as well as for your own insurance. The police even have the right to destroy your vehicle in some cases.

Does speeding invalidate insurance?

Speeding does not invalidate your insurance when it comes to paying off your damages. However, speeding and an auto accident will eventually cause your insurance rates to rise significantly.

Does car liability insurance pay if you are speeding?

Car liability insurance pays up to your limit in most cases. If it is proven that you are speeding, you may have difficulties receiving a payout from your provider and your premiums will go up as well.

How Much Does Insurance Rise After Speeding?

In most cases, insurance rates increase after you have been given a speeding ticket. While these rates change from one insurance company to the next, there are various factors that determine how much your rates go up. Check out the answers we’ve provided on how your insurance rises after speeding.

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How much does insurance go up after a speeding ticket?

The amount your insurance goes up after a speeding ticket varies depending on the severity of the traffic violation. Speeding up to 14 mph over the limit raises insurance by 11 percent.

How much does a speeding ticket raise insurance?

The rate at which a speeding ticket raises your insurance depends on your insurance provider. In most cases, your rates increase up to 15 percent depending on how fast you’re driving over the speed limit.

How much does a 15 over speeding ticket affect insurance?

Every case involving a speeding ticket is different from one insurance company to the next. If you receive a speeding ticket where you’re 15 mph over the limit, your insurance may go up as high as 20%.

Will a speeding ticket for 5 over affect my insurance?

If you receive a speeding ticket for going 5 mph over the limit, your insurance rates can go up by 11 percent. These increases usually won’t occur until your policy is up for renewal.

Will a speeding ticket raise insurance Allstate?

A speeding ticket may lead to a rise in insurance rates from Allstate the next time you get your insurance policy renewed. If it is your first violation, Allstate may not change your rates.

Will my insurance increase after a speeding ticket USAA?

Yes, your insurance will increase after a speeding ticket if you use USAA insurance. The increase in insurance does not go up until USAA pulls your DMV record and finds out that there is a speeding violation on it.

Does class reduce insurance rate speeding?

While taking a class may reduce the number of points you receive for your speeding ticket, it will not reduce the increase in insurance rates that you receive after you’ve been convicted.

Do radar speeding tickets count against insurance?

Radar speeding tickets don’t count against insurance. The reason because of this is that the ticket is assigned to the vehicle and it is not possible to confirm the identity of the driver.

Does speeding warning affect insurance?

No, receiving a warning for speeding does not have an impact on your insurance. Only when you receive a conviction does speeding impact your driving record and thus your insurance premium.

Will a speeding ticket affect my insurance with Liberty Mutual?

Yes, speeding tickets will affect your insurance, and how much you’re going over, determines the amount your premiums go up. Other incidents, such as accidents, reckless driving, and driving while intoxicated can all cause premiums to rise as well.

How does a criminal speeding ticket affect insurance?

A criminal speeding ticket usually raises your car insurance rates. If it is your first offense, your rates may not change much or even at all. If it is your second violation, you could see a significantly higher premium the next time you renew.

Does Erie insurance raise rates for speeding tickets?

Like several other providers, Erie auto insurance does raise rates for speeding tickets. If you have a safe driving discount, that may be revoked as well depending on the severity of the violation.

What to Do When You Get a Speeding Ticket

Many people wonder what the best course of action is after they’ve received a speeding ticket. In most instances, you don’t have to do anything as a speeding ticket is placed on your driving record. If you do fail to report a speeding ticket when asked, there may be some consequences. Take a look at the answers we’ve given on what to do when you get a speeding ticket.

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How does insurance find out about speeding tickets?

Insurance companies find out about speeding tickets when they check your driving record from your state’s DMV and review it. It may take anywhere between 18 to 24 months for your insurance company to check.

Do you have to report speeding tickets to insurance?

You do not have to report your speeding tickets to insurance. The speeding ticket you receive will not raise the rates of your policy when it renews, or you choose a new insurance provider.

Will a speeding ticket without points affect my insurance?

Points themselves don’t have any impact on your insurance. A ticket will increase your insurance premiums no matter how many points are attached to your ticket. The more you’re speeding, the higher the increase in rate will be.

Are all speeding tickets reported to insurance companies?

Speeding tickets aren’t reported to insurance companies. Instead, speeding tickets are placed on a person’s driving record, which an auto insurance company can then pull up whenever they see fit.

How to lower insurance after speeding ticket?

You can lower insurance after a speeding ticket by taking a driver safety course, which may wipe away the ticket completely. You can also request expungement and have the violation removed from your record instead of waiting for it to expire.

Do police check insurance when caught speeding?

Yes, a police offer will check to see if you are insured when you are caught speeding. In the event, an officer can’t verify your insurance, but the DMV finds out you were uninsured at the time you could still be penalized.

Will my insurance drop me for a criminal speeding ticket?

It varies from one company to the next, but in most cases, your insurance company won’t drop you for a speeding ticket. Your insurance rates will go up the next time you try to purchase it or when your next renewal occurs.

How to keep a speeding ticket off your insurance?

You can contest the ticket to keep it off your driving record and off your insurance. If you go to trial and lose, you will have to pay the fine and the ticket will go on your driving record for insurance companies to see.

Is speeding a conviction for insurance?

No, a speeding ticket does not count as a conviction. A ticket is just you being cited for speeding, but you won’t be found guilty unless you are convicted in court or plead guilty.

Should I call my insurance company after a speeding ticket?

You do not have to tell your insurance company that you’ve received a speeding ticket. Your insurance company will check your driving record and adjust your premium based on any tickets you receive when you’re up for renewal.

How to make a speeding ticket not affect insurance?

There are various things you can do to avoid an increase in your insurance after receiving a speeding ticket. Your best option is to contest the ticket or get a deferral.

How to provide proof of insurance after speeding ticket?

Proof of insurance after a speeding ticket can be shown through providing your registration information or insurance card to the officer or court. As long as you have some form of documentation that shows your proof of insurance, it should count.

What if we don't specify speeding to insurance?

It doesn’t matter if you specify speeding to your insurance provider. When your insurance provider pulls up your driving record, they will be able to see any speeding violations that are on it.

What if you lie about a speeding ticket on insurance?

If you lie about a speeding ticket on your insurance, it will still show up when the insurance company looks up your driving record. If you are caught in the lie, your insurance company may cancel your policy.