Does a Speeding Ticket Affect Your Insurance?

How much more you'll pay for insurance after a speeding ticket depends on your state and insurance company.
Jul 28, 2021

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

If you’ve gotten a speeding ticket recently, you’re probably bracing yourself for an increase in your car insurance rates. It’s true that you’ll likely pay more for car insurance after being convicted of a speeding ticket, but how much more can vary based on your driving history, location and other factors.


See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Get started on

How much does car insurance go up after a speeding ticket?

Car insurance typically goes up about 25% after a speeding ticket, NerdWallet’s 2020 rates analysis found. On average, a driver with a speeding ticket will pay $1,781 a year for full coverage auto insurance. That’s $354 more than a driver with a clean record, our analysis found.

But the financial pain you can expect depends on many factors, including the state you live in and the insurance company you choose. And though most auto insurers will raise rates after two or more speeding tickets, not all companies raise rates after a single ticket.

To help you find the cheapest auto insurance after a speeding ticket, NerdWallet compared rates across the country for a hypothetical driver ticketed for going 16 mph over the speed limit.

Car insurance rates after a speeding ticket

After a speeding ticket, you’ll want to pick the cheapest car insurance company — and it may not be the same one that was cheapest for you before.

A few insurers in our analysis more than doubled their rates for drivers with a speeding ticket, while others seemed to shrug it off. Several smaller, regional insurers, including Secura, Texas Farm Bureau and Westfield, showed no difference in car insurance rates for drivers with or without a speeding ticket.

Among the 10 largest car insurance companies, American Family had the smallest average rate hike after a speeding ticket — less than $5 a month. The biggest increases came from Farmers and Liberty Mutual.

Here are the average rates we found for a 40-year-old driver buying full coverage insurance.


Average annual premium after a speeding ticket

Increase compared to driver with clean record





















*USAA is available only to active military, veterans and their families.

Average car insurance rates by state after a speeding ticket

In Pennsylvania, a speeding ticket may mean only an extra $11 per month on your car insurance premiums.

But in Michigan, where average car insurance rates are already relatively high, you may have to shell out $90 a month more for coverage after you’re caught speeding.

To give you an idea of what to expect in your state, here are average rates and price increases for full coverage insurance after a speeding ticket.


Average annual premium after a speeding ticket

Increase compared to driver with clean record








































































































See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Get started on

Minimum vs. full coverage after a speeding ticket

If you have full coverage auto insurance and you don’t like the price you see after a speeding ticket, you may want to consider reducing your coverage.

After a speeding ticket, minimum required car insurance is typically less than half the price of full coverage on average, our analysis found. Average annual rates for car insurance after a speeding ticket are:

  • $1,781 for full coverage.

  • $755 for minimum coverage.

Think carefully before you choose this option. With a bare-bones auto policy you won’t have comprehensive and collision coverage, so if you cause a crash, your insurance won’t help pay for damage to your car. That might make sense if your vehicle isn’t worth much. But if you have a car loan or lease, your lender likely requires you to keep full coverage.

How long a speeding ticket affects car insurance rates

A speeding ticket typically stays on a driving record for one to three years, depending on your state. If you’ve gotten a ticket and a related insurance rate increase, ask about your company’s surcharge schedule. This will reveal how long you can expect to suffer the higher rates. You’ll also lose any good driver discounts you had.

Don’t be afraid to shop around. Taking the time to compare car insurance quotes can save you hundreds or even thousands of dollars — even if you’ve had a few flashing lights in your rearview mirror.


NerdWallet averaged rates for 40-year-old men and women with no incidents on record for all ZIP codes in each state and Washington, D.C., from the largest insurers, up to 15 in each state. Sample drivers had these coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverages were added.

“Good drivers” had no moving violations on record and an insurance credit score considered “good” by each insurer; a “good driving” discount was included for this profile. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

  • For drivers with a DUI, we added a single drunken driving violation.

We used a 2016 Toyota Camry LE for all single drivers and assumed 12,000 annual miles driven.

Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.