Do I Have To Report A Speeding Ticket To My Insurance Company?

Speeding tickets can have serious consequences, both financially and in regards to your insurance premiums. If you are considering keeping a speeding ticket off your record, it is important to know whether or not you need to report it to your insurance company and what can happen if don’t.

In this blog post, we will look at the realities of reporting a speeding ticket to your insurance company and what can happen if you do not. We will also explore how much you might end up paying in additional costs and other strategies for minimizing the impact of getting a speeding ticket on your insurance premium.

What is a speeding ticket?

A speeding ticket is a citation issued by law enforcement to a driver who has been caught driving over the posted speed limit. Speeding tickets can range in price from $50 to $500, and drivers who accumulate multiple speeding tickets may have their driver’s license suspended. In most states, drivers who receive a speeding ticket will have points added to their driving record.

Insurance companies typically surcharge policyholders for speeding tickets. The amount of the surcharge depends on the insurance company and the state, but it is typically around 10% of the base premium. So, if your base premium is $1,000 per year, a speeding ticket could increase your premium by $100 per year.

How much does a speeding ticket cost?

If you’re caught speeding, the consequences go beyond just a fine. You may also be required to report the violation to your insurance company, which could lead to an increase in your rates. The amount of the fine varies by state, but in general, speeding tickets can cost anywhere from $50 to $500. The best way to avoid having to pay a fine (and potentially see your insurance rates go up) is to simply drive within the posted speed limit.

How do you report a speeding ticket to your insurance company?

When it comes to reporting a speeding ticket to your insurance company, the best thing to do is be honest and upfront about it. The worst thing you can do is try to hide it from your insurer, as this will only come back to bite you later down the line.

If you’re not sure whether or not you need to report a speeding ticket to your insurance company, the best course of action is to contact them directly and ask. They will be able to advise you on their specific policy regarding speeding tickets.

In general, however, it is always better to err on the side of caution and report any speeding tickets that you receive. This way, your insurer will be aware of the violation and can factor it into your premium calculation accordingly. Trying to hide it from them is likely to result in a much higher premium when they eventually find out (which they almost certainly will).

What is the effect of a speeding ticket on your insurance rates?

Most insurance companies will penalize drivers who receive speeding tickets by increasing their rates. The amount that rates increase depends on the company, the state, and the severity of the infraction. In some states, insurers are not allowed to surcharge drivers for minor infractions like speeding 15 miles over the limit. But in other states, insurers can surcharge drivers for any speeding ticket.

How can you avoid getting a speeding ticket?

If you’re worried about getting a speeding ticket, there are a few things you can do to avoid one. First, make sure you’re obeying the posted speed limit. It may seem like common sense, but speeding is one of the most common reasons people get pulled over. If you’re driving in an area with a lower speed limit than usual, be extra careful to go the speed limit or slower.

Second, avoid driving recklessly. This includes things like tailgating, making unsafe lane changes, or running red lights. Not only is this behavior more likely to get you pulled over, it’s also more dangerous and puts other drivers at risk.

Third, don’t give the police any reason to pull you over by maintaining your vehicle and keeping it clean. Make sure your registration and insurance are up to date and that your headlights and taillights are in working order. If an officer does happen to pull you over for a routine traffic stop, being prepared can help smooth things over.

Finally, remember that getting a speeding ticket can come with consequences beyond just the fine. Your insurance rates could go up, and you could even lose your license if you accumulate too many points on your record. So drive safely and within the law to avoid any problems down the road.


In conclusion, it is important to be aware of the potential consequences that come with getting a speeding ticket. While the decision about whether or not to report your speeding ticket to your insurance company ultimately lies with you, it is important to consider all of the factors involved before making this decision.

From higher premiums and more points on your license, being mindful of these repercussions can help you make an informed choice when deciding whether or not you should report a speeding ticket to your car insurance provider.