By Ben LuthiHow Much Will My Insurance Go up After a Speeding Ticket?
After a speeding ticket, your car insurance premium may or may not go up, especially if it's your first violation in a few years. If your insurer does decide to raise your rate, you can expect an average increase of $582 annually, according to Experian data. You may also expect additional increases for multiple tickets.
If you've recently received a speeding ticket, here's what you need to know about how the violation may impact your car insurance rate.
How Much Does Your Insurance Go up After a Ticket?
The impact of a speeding ticket on your car insurance rate can vary. Having a clean driving record (no incidents or violations) can help. In some instances, a single speeding ticket over a three-year period may not translate to a rate hike at all. However, multiple tickets during that same period will typically translate to a higher premium.
If your insurance company chooses to raise your premium with just one ticket, your auto insurance rate can increase by $582 annually, or 27%, on average, according to Experian data. With each additional violation, you may see your premium go up even further.
Here's a look at the averages:
| Driving Record | Annual Cost | Change vs. Clean Record |
|---|---|---|
| Clean | $2,138 | Not applicable |
| 1 Violation | $2,720 | +27% |
| 2 Violations | $2,897 | +36% |
| 3+ Violations | $3,300 | +54% |
Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies
Keep in mind, though, that the exact impact on your insurance rate will vary depending on how fast you were driving, your state's laws, the insurance company, your overall driving record and other factors.
For more context, here's how rate increases can vary among some major car insurance companies:
| Carrier Name | Clean Record Average Annual Premium | One Violation Average Annual Premium | Change |
|---|---|---|---|
| Bristol West | $2,646 | $3,167 | +20% |
| Progressive | $1,715 | $2,045 | +19% |
| Root | $3,090 | $3,101 | 0% |
| Kemper Auto | $2,096 | $2,410 | +15% |
| National General | $1,846 | $1,937 | +5% |
Source: Experian data as of January 2025
Note: Average costs calculated using full coverage policies
How Long Does It Take for a Ticket to Affect Your Insurance?
If you get caught speeding, you won't see an immediate rise in your car insurance premium. Insurance companies typically only review your driving record when your policy is up for renewal, and policies are often issued in six-month increments.
So, if you received a ticket just a month after you renewed your policy, you may expect to see a higher rate in five months when your policy renews again.
How Long Will a Speeding Ticket Stay on Your Record?
A speeding ticket will generally remain on your driving record for three to five years, though the timeline will depend on where you live. You can check with your state's department of motor vehicles to determine the timeline for you.
Average Cost of a Speeding Ticket by State
Auto insurance is regulated on the state level, and there are other location-based factors, such as accident and theft rates, that can influence the rates you pay.
To give you a sense for how those differences may impact you, here are some average changes for a handful of states:
| State | Clean Average Annual Premium | One Violation Average Annual Premium | Change |
|---|---|---|---|
| California | $1,999 | $2,322 | +16% |
| Florida | $2,076 | $2,625 | +26% |
| Illinois | $1,733 | $1,914 | +10% |
| Massachusetts | $2,495 | $3,078 | +23% |
| Michigan | $2,510 | $2,894 | +15% |
| New Jersey | $2,680 | $2,990 | +12% |
| New York | $2,773 | $2,901 | +5% |
| Texas | $2,157 | $2,557 | +19% |
| Virginia | $2,064 | $2,278 | +10% |
| Washington | $2,181 | $2,637 | +21% |
Source: Experian data as of January 2025
Note: Costs above are an average of full coverage policies sold through Experian's marketplace
How to Save Money on Your Car Insurance
Whether your rate has increased because of a speeding ticket or you're just looking for ways to save on car insurance, here are some tips to help:
- Shop around. With Experian, you can compare car insurance quotes from top insurers, making it easy to compare rates, coverage options, discounts and more. You can also check out our top picks for the cheapest car insurance companies to learn more about each one.
- Ask about discounts. Insurance companies often offer a variety of discounts to encourage you to sign up. However, those discounts aren't necessarily the same from one carrier to another. Researching discount opportunities as you compare options can help you maximize your savings.
- Raise your deductible. If you have collision and comprehensive insurance, consider raising your deductible—your out-of-pocket cost if you file a claim. Doing so could lower your rate, but make sure you can afford the expense before moving forward.
- Minimize optional coverages. Insurance providers often offer optional coverages, such as rental reimbursement or roadside assistance. While these add-ons can be beneficial, they may not be worth it if they don't fit your budget.
- Maintain a good driving record. While you can't do anything about the past, make it a priority to drive safely and avoid moving violations going forward. Once the speeding ticket falls off your record, you may qualify for better rates.
The Bottom Line
A speeding ticket doesn't always mean an immediate or dramatic increase in your car insurance, but it can lead to higher premiums—especially if you have multiple violations. How much your rate goes up depends on your insurer, driving history and where you live.
The good news is that rate increases aren't forever. By driving safely, comparing quotes and exploring discounts, you can minimize the financial impact and work toward lower premiums over time. Staying proactive can make all the difference after a traffic violation.
Methodology
This analysis is based on a review of auto insurance policies and quotes provided through Experian's insurance marketplace. Policy premium and quote averages are based on driver data across all genders and ages unless otherwise noted.
Experian's insurance marketplace matches users with auto insurance coverage from more than 30 carriers across 50 states and Washington, D.C.
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About the author
Ben Luthi
Ben Luthi has worked in financial planning, banking and auto finance, and writes about all aspects of money. His work has appeared in Time, Success, USA Today, Credit Karma, NerdWallet, Wirecutter and more.
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