How Much Will My Insurance Go Up After a Ticket? (Speeding Ticket)

Do you know how much my insurance will go up after a ticket? this is one of the questions our readers ask a lot. Well, we´ve got you covered.

Unsurprisingly, more than half the drivers in America speed, as per the latest survey performed by the United States Department of Transportation.

Despite the various methods in place to prevent speeding, it still happens on a daily basis. And yes, it can dramatically impact your car insurance.

So, how much will my insurance go up after a ticket? On average your car insurance rate will increase by 20% to 30% after a speeding ticket. The increase is equating to almost $275 up to $425. However, the state’s percentage also increases the higher over the speed limit you traveled. In Michigan, your insurance will increase by 70% if you are driving 30+ mph over the limit.

Table of Contents

How Much Does Car Insurance Go Up For a Speeding Ticket?

According to Forbes Advisors, the national average increase for car insurance rates after a speeding ticket is 21%, equating to almost $350. However, it may go up by 30%, depending on a few factors:

The location where you violated the speeding limit
Whether your ticket was your first offense
Your driving record before the speeding ticket, including at-fault car accidents and other types of traffic violations
How fast you were traveling over the speeding limit
The amount of time between this speeding ticket and any previous moving violations

A State by State Analysis

Car insurance is regulated at the state level. Therefore, the percentage that your rate increases after a speeding ticket depend mainly on the state you live in/where the violation occurred.

Generally speaking, the state’s percentage also increases the higher over the speed limit you traveled. It tends to grow in the following increments:

11 to 16 mph over the limit
16 to 29 mph over the limit
30+ mph over the limit

The states where the percentage doesn’t increase are:

Alaska (19%)
California (34%)
Colorado (19%)
Hawaii (10%)
Idaho (30%)
Illinois (20%)
Kansas (16%
Louisiana (21%)
Massachusetts (20%)
Maryland (18%)
North Carolina (50%)
North Dakota (21%)
Nebraska (28%)
New Mexico (19%)
Oklahoma (30%)
Pennsylvania (9%)
South Dakota (18%)
Texas (15%)
Utah (18%)
Washington (19%)
Wyoming (28%)

If you live in the above states, you don’t have to consider how far you were driving over the speed limit to figure out your insurance increase.

However, insurers in the states below steadily increase their insurance depending on how far above the limit you were:

States	Increase (11 to 16 mph over the limit)	Increase (16 to 29 mph over the limit)	Increase (30+ mph over the limit)
Alabama	28	28	28
Arkansas	20	20	43
Arizona	25	27	27
Connecticut	17	17	30
DC	15	15	31
Delaware	18	21	50
Florida	27	31	46
Georgia	17	27	59
Iowa	17	19	19
Indiana	24	24	26
Kentucky	15	30	53
Maine	15	19	19
Michigan	29	43	70
Minnesota	22	27	27
Missouri	10	11	11
Mississippi	29	29	44
Montana	8	12	12
New Hampshire	23	23	46
New Jersey	17	26	32
Nevada	20	21	29
New York	12	18	18
Ohio	21	27	38
Oregon	20	20	29
Rhode Island	21	21	28
South Carolina	16	16	30
Tennessee	15	15	34
Virginia	20	20	31
Vermont	14	14	29
Wisconsin	16	25	25
West Virginia	15	19	47

As you can see, some of these states raise their insurance rates by over 50%!

With all that said, the insurers themselves treat traffic tickets differently.

They have their own calculations and metrics for deciding how much they should charge you.

For instance, Progressive tends to raise their insurance by 31% following a ticket for speeding 16 to 29 mph above the limit, whereas Allstate raises theirs by 20%.

When Do Car Insurance Rates Increase After a Speeding Ticket?

Thankfully, the increase won’t usually take place until it’s time for your policy renewal, as that’s when your insurer re-evaluates your record.

Because the change takes a long time (depending on when you received the ticket), it’s typically worth staying with your current insurance provider until a couple of months before it expires.

How Long Does a Speeding Ticket Affect Your Car Insurance Rate?

Moving violations, including speeding tickets, are generally considered to be a “surchargeable” incident.

Depending on your state, they can stay on your driving record for three to five years on average. If you’re lucky, your and state and insurer will reduce the surcharge amount after every year without another violation.

Arkansas (3 years)
Alabama (after 2 years points are removed, but the incident remains on your record for life)
Arizona (1 year)
Alaska (1 year)
Colorado (incident remains on your record for life; however, you can reduce the points on your license)
Connecticut (3 years)
California (3 years and 3 months)
Delaware (2 years)
Florida (5 years)
Georgia (2 years)
Hawaii (10 years)
Indiana (2 years)
Illinois (maximum 5 years)
Idaho (3 years)
Iowa (5 years)
Kentucky (points removed from your license after 2 years, but the incident remains on your record for 5 years)
Kansas (3 years)
Louisiana (3 years)
Maryland (3 years)
Maine (1 year)
Massachusetts (6 years)
Michigan (7 years)
Minnesota (5 to 10 years)
Missouri (3 years)
Montana (points removed from your license after 3 years, but the incident remains on your record for life)
Mississippi (1 year)
Nebraska (5 years)
New Jersey (5 years)
New Hampshire (3 years)
New Mexico (1 year)
New York (1.5 years)
North Carolina (3 years)
North Dakota (3 years)
Oregon (2 years)
Oklahoma (maximum 3 years)
Ohio (incident remains on your record for life)
Pennsylvania (1 year)
Rhode Island (3 years)
South Carolina (2 years)
Texas (3 years)
Tennessee (2 years)
Utah (3 years)
Virginia (5 years)
Vermont (2 years)
West Virginia (points removed after 2 years, but the incident remains on your record for 5 years)
Washington DC (2 years)
Wyoming (1 year)
Washington (5 years)
Wisconsin (5 years)

How to Lower Your Car Insurance Following a Speeding Ticket

Believe it or not, there are ways to decrease your car insurance after you’ve been cited for speeding. These include:

Shopping around for the best deal using comparison sites.
Driving safely to ensure you don’t get any more speeding tickets or other violations.
Take a defensive driving course to get up to 10% off your insurance.
Reduce the level of coverage you have. But proceed with caution on this one.

The Bottom Line

The best course of action is not to speed. But, if the deed is done, you now know more about what to expect from your car insurance.

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