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How Much Car Insurance Rates Go Up After a Speeding Ticket

How much more you'll pay for insurance after a speeding ticket depends on your state and insurance company, our analysis found.
March 6, 2020
Auto Insurance, Insurance
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If you’ve gotten a speeding ticket recently, you’re probably bracing yourself for an increase in your car insurance rates.

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.

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.

» MORE: What to Do When You Get a Speeding Ticket

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 a full coverage policy.

CompanyAverage annual premium after a speeding ticketIncrease compared to driver with clean record
*USAA is available only to active military, veterans and their families.
Allstate$2,172$338
American Family$1,289$57
Farmers$2,476$611
Geico$1,557$359
Liberty Mutual$2,383$605
Nationwide$1,697$348
Progressive$2,281$515
State Farm$1,784$272
Travelers$1,990$462
USAA*$1,200$178

» MORE: Compare Car Insurance Rates

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 a full coverage policy after a speeding ticket.

StateAverage annual premium after a speeding ticketIncrease compared to driver with clean record
Alabama$1,707$306
Alaska$1,364$185
Arizona$1,847$438
Arkansas$1,813$386
California$2,321$693
Colorado$1,864$293
Connecticut$2,130$446
Delaware$1,901$341
District of Columbia$1,802$275
Florida$2,946$595
Georgia$1,980$386
Hawaii$2,050$873
Idaho$1,163$226
Illinois$1,483$320
Indiana$1,299$305
Iowa$1,149$152
Kansas$1,583$277
Kentucky$2,597$435
Louisiana$3,642$670
Maine$1,197$281
Maryland$1,884$289
Massachusetts$1,669$369
Michigan$3,416$1,085
Minnesota$1,601$321
Mississippi$1,769$385
Missouri$1,577$238
Montana$1,571$319
Nebraska$1,451$270
Nevada$2,281$400
New Hampshire$1,317$261
New Jersey$2,281$522
New Mexico$1,474$234
New York$2,310$348
North Carolina$1,568$492
North Dakota$1,573$338
Ohio$1,310$258
Oklahoma$2,008$413
Oregon$1,516$288
Pennsylvania$1,303$136
Rhode Island$2,188$505
South Carolina$1,755$297
South Dakota$1,453$208
Tennessee$1,421$250
Texas$1,665$194
Utah$1,467$219
Vermont$1,141$148
Virginia$1,153$193
Washington$1,533$273
West Virginia$1,533$226
Wisconsin$1,255$250
Wyoming$1,596$412

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.

» MORE: Minimum required car insurance in every state

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.

METHODOLOGY

For our “good driver” profile, NerdWallet averaged rates from the largest insurers in each state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $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 coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.

If required, minimum additional coverages were added. 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.
  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

We used a 2016 Toyota Camry LE for all single drivers.

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

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