True Cost of a Speeding Ticket in California After Insurance Increases

Auto Insurance, Insurance
True Cost of a Speeding Ticket in California After Insurance Increases

At first, getting a speeding ticket in California doesn’t seem so bad. After all, it’s only a base fine of $35 for going 15 mph over the limit. But after adding up other expenses, a speeding ticket will leave drivers who have a lead foot with much lighter wallets.

With fees and surcharges, speeding ticket-related costs jump to $234 in California. But the biggest hit to your bank account is yet to come: The average California driver will pay $158.53 each year in extra insurance costs for three years after a speeding ticket.

The true cost of a speeding ticket in California is 20.27 times the cost of the actual ticket — drivers pay an average of $709.59 for a $35 ticket, according to an analysis by NerdWallet.

» MORE: Best cheap car insurance in California

Key findings

  • Five of the 10 most expensive places to get a speeding ticket in California are in the Los Angeles metro area.
  • The average cost for car insurance in California is $1,038.71, but after a speeding ticket 15 mph over the limit, the average rate increases to $1,197.24.
  • The average percentage increase is 15.22% after a speeding ticket.

What should you do if you receive a speeding ticket in California?

California drivers with clean records have three options after receiving a minor speeding ticket:

  • Plead guilty, pay the fine and receive a conviction or a point on your license.
  • Plead guilty, pay the fine and attend traffic safety school to avoid receiving a conviction and a point.
  • Plead not guilty and request a court date.

If you are eligible for a traffic safety course: Drivers who complete traffic school will be able to avoid points on their driving records. They will receive a confidential conviction, but it will not affect their insurance rates.

After a conviction: It’s a good time to gather new quotes from a few auto insurers. Some will overlook traffic violations, but drivers won’t know if their insurer is one of them unless they do their research.

» COMPARE: Car insurance quotes

California cities where it’s most expensive to get a ticket

1. Los Angeles

True cost of speeding: $907.22

On average, drivers in Los Angeles pay $1,357.99 for car insurance each year. After receiving a speeding ticket, they will see their car insurance rates increase to $1,582.39 a year. The ticket means car insurance rates will increase for three years, so Los Angeles drivers will end up paying $673.22 in extra insurance payments after a speeding ticket.

2. Glendale

True cost of speeding: $891.81

Glendale drivers face the highest car insurance rates in the state. Drivers with clean records pay an average of $1,379.71. However, after receiving a speeding ticket, they will see their rates jump $219.27 to $1,598.98 a year. Over three years, the true cost of a speeding ticket in Glendale is $891.81.

3. Compton

True cost of speeding: $890.67

Compton drivers face the third-steepest penalties for speeding tickets. On average, Compton drivers pay $1,215.08 a year for car insurance. A minor speeding ticket, however, means the average Compton driver’s rates will go up 18% to $1,433.97. Over three years, Compton drivers can expect to pay $656.67 in extra car insurance costs.

4. Daly City

True cost of speeding: $845.25

Daly City drivers face the most expensive speeding tickets in Northern California. The typical Daly City driver can expect to pay $1,140.13 for car insurance a year. However, after a speeding ticket, Daly City drivers will see their rates increase $203.75 a year for a three-year total of $611.25 in extra insurance costs.

5. Oakland

True cost of speeding: $831.71

After drivers in this Bay Area city are caught speeding, their car insurance rates are likely to increase from $1,127.71 to $1,326.95. The $199.24 increase is the fifth highest in California. Since car insurance increases last three years, Oakland drivers will end up paying $597.71 in extra car insurance costs.

6. Inglewood

True cost of speeding: $831.45

On average, Inglewood drivers with clean records pay $1,207.28 a year for car insurance. However, the average car insurance rate will increase $199.15 a year to $1,406.43. Inglewood drivers will end up paying $597.45 more for car insurance over three years.

7. Lynwood

True cost of speeding: $818.50

Lynwood is the fifth Los Angeles-area city to make the list. On average, Lynwood drivers with clean records pay $1,215.75 annually for car insurance. After a speeding ticket, that average jumps $194.83. Insurance carriers will typically penalize drivers for three years after a ticket, so Lynwood drivers will end up paying $584.50 in extra insurance costs.

8. Richmond

True cost of speeding: $817.67

A driver with a clean record in Richmond pays, on average, $1,154.75 for car insurance. A speeding ticket will increase a Richmond driver’s car insurance rates $194.56 or 16.85%, and they will pay $583.67 in extra insurance costs over three years.

9. San Francisco

True cost of speeding: $813.87

San Francisco drivers face the third-highest car insurance increases after a speeding ticket. Drivers with clean records in the City by the Bay pay an average of $1,171.31 for insurance. Add a speeding ticket to the mix and that average rate jumps 16.50% to $1,364.59. This means insurance rates will increase $193.29 each year over three years.

10. Sacramento

True cost of speeding: $811.75

California’s capital is the tenth-most expensive place to get a speeding ticket in the state. On average, Sacramento drivers pay $1,163.40 a year for car insurance. With a speeding ticket, that average jumps $192.58 to $1,355.98. A single speeding ticket will cost Sacramento drivers $811.75 in extra insurance costs over three years.

» COMPARE: Car insurance quotes

The full list

RankCityCar insurance premiumSpeeding premiumDifferencePercentageThree years of car insurance increasesTrue Cost
1Los Angeles$1,357.99$1,582.39$224.4116.52%$673.22$907.22
2Glendale$1,379.71$1,598.98$219.2715.89%$657.81$891.81
3Compton$1,215.08$1,433.97$218.8918.01%$656.67$890.67
4Daly City$1,140.13$1,343.88$203.7517.87%$611.25$845.25
5Oakland$1,127.71$1,326.95$199.2417.67%$597.71$831.71
6Inglewood$1,207.28$1,406.43$199.1516.50%$597.45$831.45
7Lynwood$1,215.75$1,410.58$194.8316.03%$584.50$818.50
8Richmond$1,154.75$1,349.31$194.5616.85%$583.67$817.67
9San Francisco$1,171.31$1,364.59$193.2916.50%$579.87$813.87
10Sacramento$1,163.40$1,355.98$192.5816.55%$577.75$811.75
11Norwalk$1,152.25$1,344.75$192.5016.71%$577.50$811.50
12Pittsburg$1,014.25$1,203.67$189.4218.68%$568.25$802.25
13Santa Monica$1,259.40$1,447.40$188.0014.93%$564.00$798.00
14Burbank$1,229.43$1,417.15$187.7215.27%$563.15$797.15
15Bellflower$1,159.83$1,346.33$186.5016.08%$559.50$793.50
16Pasadena$1,149.40$1,335.60$186.1916.20%$558.58$792.58
17South Gate$1,255.33$1,439.67$184.3314.68%$553.00$787.00
18Hawthorne$1,196.33$1,379.33$183.0015.30%$549.00$783.00
19San Bernardino$1,081.88$1,264.79$182.9016.91%$548.71$782.71
20Downey$1,195.28$1,378.06$182.7815.29%$548.33$782.33
21Perris$1,114.42$1,296.08$181.6716.30%$545.00$779.00
22Hesperia$1,126.46$1,307.92$181.4616.11%$544.38$778.38
23Victorville$1,100.67$1,280.97$180.3116.38%$540.92$774.92
24El Monte$1,163.46$1,343.21$179.7515.45%$539.25$773.25
25Riverside$1,096.20$1,275.45$179.2516.35%$537.75$771.75
26Union City$975.08$1,153.92$178.8318.34%$536.50$770.50
27South San Francisco$1,065.67$1,243.42$177.7516.68%$533.25$767.25
28Monterey Park$1,153.46$1,331.17$177.7115.41%$533.13$767.13
29Long Beach$1,094.45$1,272.06$177.6116.23%$532.84$766.84
30San Leandro$1,026.28$1,202.53$176.2517.17%$528.75$762.75
31Baldwin Park$1,168.33$1,344.00$175.6715.04%$527.00$761.00
32Rancho Cordova$1,116.50$1,291.67$175.1715.69%$525.50$759.50
33Chino$1,109.96$1,284.83$174.8815.76%$524.63$758.63
34Berkeley$1,069.79$1,243.32$173.5316.22%$520.59$754.59
35Moreno Valley$1,076.63$1,249.50$172.8816.06%$518.63$752.63
36Pomona$1,086.06$1,258.75$172.6915.90%$518.08$752.08
37Palmdale$1,168.56$1,341.25$172.6914.78%$518.06$752.06
38Lancaster$1,109.75$1,280.08$170.3315.35%$511.00$745.00
39El Cajon$957.81$1,127.81$170.0017.75%$510.00$744.00
40Whittier$1,109.86$1,279.29$169.4315.27%$508.29$742.29
41Merced$963.14$1,132.47$169.3317.58%$508.00$742.00
42Santa Ana$1,064.93$1,232.94$168.0115.78%$504.04$738.04
43Buena Park$1,095.71$1,263.71$168.0015.33%$504.00$738.00
44Montebello$1,148.42$1,315.83$167.4214.58%$502.25$736.25
45Santa Clarita$1,038.71$1,205.38$166.6716.05%$500.00$734.00
46Antioch$1,044.00$1,210.58$166.5815.96%$499.75$733.75
47Menifee$1,074.92$1,241.33$166.4215.48%$499.25$733.25
48San Jose$986.70$1,153.11$166.4116.86%$499.22$733.22
49Newport Beach$1,014.94$1,181.17$166.2316.38%$498.69$732.69
50Hemet$1,008.06$1,173.83$165.7816.45%$497.33$731.33
51Stockton$1,077.19$1,242.43$165.2415.34%$495.73$729.73
52Anaheim$1,063.29$1,228.44$165.1515.53%$495.46$729.46
53Alhambra$1,119.75$1,284.42$164.6714.71%$494.00$728.00
54Elk Grove$1,082.92$1,247.50$164.5815.20%$493.75$727.75
55Lakewood$1,045.31$1,209.89$164.5815.74%$493.75$727.75
56Santa Rosa$996.14$1,159.28$163.1416.38%$489.42$723.42
57Concord$982.90$1,145.75$162.8516.57%$488.56$722.56
58West Covina$1,089.39$1,251.97$162.5814.92%$487.75$721.75
59Fremont$954.77$1,116.83$162.0616.97%$486.19$720.19
60Tracy$1,033.67$1,195.56$161.9015.66%$485.69$719.69
61Westminster$1,071.08$1,232.67$161.5815.09%$484.75$718.75
62Bakersfield$1,003.73$1,165.26$161.5216.09%$484.57$718.57
63Pico Rivera$1,144.83$1,305.67$160.8314.05%$482.50$716.50
64Fontana$1,105.92$1,266.03$160.1114.48%$480.33$714.33
65Modesto$1,059.79$1,217.65$157.8714.90%$473.61$707.61
66Costa Mesa$1,008.83$1,166.21$157.3815.60%$472.13$706.13
67Torrance$1,036.60$1,192.75$156.1515.06%$468.45$702.45
68Fullerton$1,019.15$1,175.19$156.0415.31%$468.13$702.13
69Temecula$991.94$1,147.33$155.3915.67%$466.17$700.17
70Alameda$1,038.75$1,193.54$154.7914.90%$464.38$698.38
71San Diego$926.84$1,080.48$153.6416.58%$460.93$694.93
72Redlands$1,017.75$1,171.13$153.3815.07%$460.13$694.13
73Ontario$1,070.50$1,223.67$153.1714.31%$459.50$693.50
74Apple Valley$1,022.38$1,175.42$153.0414.97%$459.13$693.13
75Salinas$951.43$1,103.83$152.4016.02%$457.20$691.20
76Fresno$1,002.97$1,155.14$152.1815.17%$456.53$690.53
77San Mateo$967.56$1,119.67$152.1015.72%$456.31$690.31
78Walnut Creek$970.77$1,122.73$151.9615.65%$455.88$689.88
79Santa Clara$942.97$1,094.72$151.7516.09%$455.25$689.25
80Redwood City$965.54$1,116.90$151.3515.68%$454.06$688.06
81Madera$985.81$1,137.11$151.3115.35%$453.92$687.92
82Roseville$999.92$1,150.56$150.6415.07%$451.92$685.92
83Corona$1,033.40$1,183.47$150.0714.52%$450.20$684.20
84Redondo Beach$1,035.33$1,185.38$150.0414.49%$450.13$684.13
85Rialto$1,096.33$1,245.46$149.1313.60%$447.38$681.38
86Yorba Linda$1,013.04$1,161.71$148.6714.68%$446.00$680.00
87Orange$1,026.13$1,173.25$147.1214.34%$441.35$675.35
88Oceanside$935.67$1,082.35$146.6915.68%$440.06$674.06
89Sunnyvale$954.58$1,101.27$146.6915.37%$440.06$674.06
90Citrus Heights$1,028.13$1,173.92$145.7914.18%$437.38$671.38
91Visalia$987.31$1,132.03$144.7214.66%$434.17$668.17
92Irvine$1,007.54$1,151.31$143.7714.27%$431.31$665.31
93Rancho Cucamonga$1,067.15$1,210.88$143.7313.47%$431.19$665.19
94Huntington Beach$993.46$1,136.81$143.3514.43%$430.06$664.06
95Santa Barbara$890.65$1,033.73$143.0716.06%$429.21$663.21
96Upland$1,010.96$1,153.63$142.6714.11%$428.00$662.00
97Chino Hills$1,017.92$1,159.67$141.7513.93%$425.25$659.25
98Oxnard$973.46$1,113.69$140.2314.41%$420.69$654.69
99Palo Alto$966.27$1,105.50$139.2314.41%$417.69$651.69
100Chula Vista$947.73$1,086.48$138.7514.64%$416.25$650.25
101Milpitas$942.75$1,081.25$138.5014.69%$415.50$649.50
102Vacaville$951.13$1,089.17$138.0414.51%$414.13$648.13
103San Marcos$945.29$1,082.88$137.5814.55%$412.75$646.75
104Napa$953.58$1,090.92$137.3314.40%$412.00$646.00
105Fairfield$982.21$1,119.38$137.1713.97%$411.50$645.50
106Lodi$1,016.21$1,153.21$137.0013.48%$411.00$645.00
107Turlock$997.04$1,133.96$136.9213.73%$410.75$644.75
108Carlsbad$931.38$1,068.15$136.7714.68%$410.31$644.31
109Laguna Niguel$971.50$1,106.83$135.3313.93%$406.00$640.00
110Yuba City$960.42$1,095.04$134.6314.02%$403.88$637.88
111Murrieta$993.75$1,128.17$134.4213.53%$403.25$637.25
112Indio$1,015.21$1,148.54$133.3313.13%$400.00$634.00
113Chico$869.14$1,002.11$132.9715.30%$398.92$632.92
114Folsom$951.83$1,084.75$132.9213.96%$398.75$632.75
115Davis$937.63$1,068.75$131.1313.98%$393.38$627.38
116Simi Valley$991.17$1,122.21$131.0413.22%$393.13$627.13
117Mountain View$946.39$1,077.33$130.9413.84%$392.83$626.83
118Mission Viejo$948.63$1,079.33$130.7113.78%$392.13$626.13
119Manteca$958.33$1,088.67$130.3313.60%$391.00$625.00
120San Ramon$926.88$1,055.75$128.8813.90%$386.63$620.63
121Thousand Oaks$1,001.63$1,129.42$127.7912.76%$383.38$617.38
122Tustin$978.54$1,106.08$127.5413.03%$382.63$616.63
123Santa Maria$813.19$940.69$127.5015.68%$382.50$616.50
124Livermore$902.92$1,027.88$124.9613.84%$374.88$608.88
125San Clemente$931.21$1,052.58$121.3813.03%$364.13$598.13
126Clovis$948.69$1,070.03$121.3312.79%$364.00$598.00
127Pleasanton$912.63$1,032.63$120.0013.15%$360.00$594.00
128Ventura$890.56$1,009.56$119.0013.36%$357.00$591.00
129Lake Forest$923.08$1,041.58$118.5012.84%$355.50$589.50
130Camarillo$863.67$980.21$116.5413.49%$349.63$583.63
131Redding$823.58$937.78$114.1913.87%$342.58$576.58

Methodology

To determine the average insurance premium increases, we retrieved quotes for eight different driver profiles in California: 27-year-old single men and women and 40-year-old married men and women each driving a Toyota Camry and a Ford Escape. For each driver profile, we chose the three cheapest car insurance quotes in every city to mimic consumer behavior and to determine our overall average.

We surveyed cities with over 60,000 residents. All demographic data comes from the U.S. Census Bureau. We calculated the total cost of the speeding ticket by adding the cost of a $234 speeding ticket to three years of car insurance increases. The estimated costs are for illustrative purposes only. The actual insurance increases you face will vary depending on your insurance carrier, your location and other factors.


Los Angeles Police Department police car image via Shutterstock.