How Much Insurance Goes Up After an Accident or Speeding Ticket

Drivers in D.C. and Kentucky face the highest average rate increases after causing an accident, our analysis found.
Auto Insurance, Insurance

If another driver causes an accident, you would generally make a claim against that person’s auto insurance for your injuries, except in no-fault states, and car damage. Crashes you cause are another story. Your insurance company may have to pay for damage and injuries you caused others. Your rates will typically go up at renewal time as a result.

Meanwhile, if you have a speeding ticket on your record, you might be considered a risky driver and also face a rate increase.

NerdWallet analyzed quotes nationwide for drivers with one at-fault crash to show how much more these folks pay on average than customers with clean driving records. See how your state fares:

National ranking (smallest to biggest price increase)StateAverage annual rate increase compared to drivers with clean records
1New York$80
2Connecticut$147
3Tennessee$153
4New Hampshire$157
5Indiana$190
6Nebraska$200
7Georgia$222
8Maine$272
9 (tie)North Dakota$277
9 (tie)Pennsylvania$277
11
Minnesota$283
12Ohio
$294
13Vermont$295
14Kansas$299
15Delaware$308
16Mississippi$319
17Washington$322
18Missouri$328
19Hawaii$334
20West Virginia$339
21Illinois$340
22Wisconsin$351
23South Dakota $355
24Rhode Island$356
25Idaho$363
26Colorado$368
27Alabama$397
28Virginia$406
29Oklahoma$410
30Iowa$420
31Utah$422
32South Carolina $425
33Maryland$452
34Wyoming$480
35Montana$492
36North Carolina$500
37Arkansas$510
38Massachusetts$566
39Texas$586
40Oregon$606
41California$608
42Louisiana$684
43Alaska$687
44New Mexico$759
45Nevada$808
46Michigan$810
47New Jersey$835
48Florida$843
49Arizona$865
50Kentucky $893
51District of Columbia$1,041
Average increase by state$446

Cheapest car insurance if you’ve caused a crash: State Farm

If you have an at-fault crash on your record, it’s wise to shop around. Getting several quotes will help you weed out sky-high estimates and find more competitive rates.

We looked at quotes from the four largest auto insurers in the 12 most populous states to find out how the big-name companies stack up.

CompanyAverage annual rate increase compared to drivers with clean records
Note: Geico rates not available in two states we analyzed.
State Farm

$755

Geico

$842

Allstate

$1,150

Progressive

$1,277

State Farm was the cheapest option in our analysis. On average, the company charged $755 more per year for drivers with an at-fault crash than those with clean records.

Rate increases after a speeding ticket

To give you an idea of how much more you’ll pay if you’re caught speeding, NerdWallet looked at quotes in the five most populous states for drivers with no violations on record, and compared those with rates for drivers with a speeding ticket for going 6 to 10 mph over the limit.

Ranking (smallest to biggest price increase)StateAverage annual rate increase compared to drivers with no violations
1Illinois$54
2New York$159
3Texas$175
4California$353
5Florida$617

Rates may skew even higher for more severe speeding or if it’s a repeat offense.

As with at-fault crashes, speeding tickets trigger different rate increases depending on the company. That’s why it pays to shop around and compare car insurance quotes no matter what your driving record looks like.

How long accidents and speeding tickets stay on your record

Car insurance shoppers may wonder how long they’ll face higher quotes due to past driving mistakes. It all depends on the mistake.

When it comes to accidents, most insurers look back three to five years when setting rates.

Speeding tickets and other mild to moderate violations typically remain on your record for one to three years. In many cases, you can intervene and get violations cleared, especially minor ones, before they hit your record. Serious offenses such as DUIs or reckless-driving convictions can linger for 10 years or more.


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Alternative car insurance for high-risk drivers

If you have multiple accidents, DUIs or other serious marks on your record, it could be hard to get car insurance on what’s called the “voluntary market.”

If no one will sell you a policy, you may need to look for a state-run assigned-risk plan. Check out the industry organization AIPSO for help finding an assigned-risk plan where you live, or ask your car insurance agent for help.


METHODOLOGY

To rank states for rate increases after at-fault crashes: NerdWallet averaged the three lowest quotes in every state using 10 ZIP codes per state. We first ran rates for 30-year-old men and women with no accidents on record and carrying 100/300/50 liability insurance limits, 100/300 uninsured motorist coverage limits, collision and comprehensive with a $1,000 deductible, and other minimum amounts of state-required coverage where needed. We then gathered quotes for the same drivers with one at-fault crash and compared the difference in rates.

To rank the largest companies for rate increases after at-fault crashes: We first gathered each company’s average quote in the 12 most populous states for 30-year-old men and women with clean records. Drivers carried 100/300/50 liability insurance limits, 100/300 uninsured motorist coverage limits, collision and comprehensive with a $1,000 deductible, and other minimum amounts of state-required coverage where needed. We then collected each company’s rate for drivers with an at-fault crash and compared the difference in prices.

To rank states for rate increases after a speeding ticket: We averaged the three lowest quotes in the five most populous states using 10 ZIP codes per state. We first collected rates for 30-year-old men and women with no moving violations and with 100/300/50 liability insurance limits, 100/300 uninsured motorist coverage limits, collision and comprehensive with a $1,000 deductible, and other minimum amounts of state-required coverage where needed. We then gathered quotes for drivers with one speeding ticket for going 6 to 10 mph over the limit and compared the difference in rates.

We used a 2013 Toyota Camry in all cases. These are sample rates generated through Quadrant Information Services. Your rates will be different.