Does Insurance Go Up With A Speeding Ticket?

Whether or not you’ve been caught speeding, chances are you’ve heard the rumors about how your insurance rates might go up if you get a ticket. In this blog post, we will explore this claim head-on and find out whether or not it’s true. We will look at some of the ways in which your insurance rates might change, as well as the circumstances that could lead to an increase. So whether you’re looking for peace of mind or just want to be sure you aren’t getting scammed, read on to find out all you need to know about this popular claim.

What is driving insurance rates up?

According to the Insurance Information Institute (III), the cost of insurance for drivers with a speeding ticket has increased by an average of 14% since 2009. The III attributes this increase to a number of factors, including more severe penalties for those caught driving too fast, as well as the fact that many states have expanded their list of classes of vehicles that are subject to higher rates. In some cases, insurance rates may even go up if you receive a ticket for driving without insurance.

How to keep your rates low

Speeding tickets can have a big impact on your rates, depending on the state you live in. In some states, getting a speeding ticket can lead to an increase in your car insurance rates by as much as 67%. But there are ways to keep your rates low even if you get caught driving over the speed limit. Here are three tips:

1. Know Your Options

Before you go out and get pulled over, it’s important to know your options. You may be able to reduce or even avoid a ticket by taking some simple steps like reducing your speed, using the proper lane, or avoiding distractions while driving. Speak with an insurance agent about your specific case to see if any of these tips could help lower your rates.

2. Stay Safe On The Roads

It goes without saying that you should always drive safely and obey all traffic laws, but speeding is especially dangerous. If you’re ever pulled over for driving too fast, make sure to bring proof of your license and registration, stay calm and polite during the interaction with the police officer, and don’t use foul language or threats. A speeding ticket can easily lead to more serious legal issues down the road, so it’s important to take things slow and avoid making any quick decisions that could cost you more than just a few dollars in car insurance premiums.

The benefits of getting a speeding ticket

Getting a speeding ticket can have a number of benefits. For example, it may lower your auto insurance rates. Additionally, some states may offer other forms of relief or discounts such as reduced points on your license. In some cases, a speeding ticket may even result in the dismissal of a criminal charge.

Pros and Cons of having an auto insurance policy

Auto insurance rates vary depending on a variety of factors, including your driving record and the make and model of your vehicle. But whether or not your ticket results in an increase in rates is often up to your specific policy. Here are some pros and cons of having an auto insurance policy that covers speeding tickets:


If you have a valid auto insurance policy, it will likely cover any legal fines or penalties associated with a speeding ticket. In addition, having auto insurance can help you prove your innocence if you get pulled over for speeding and are subsequently given a citation.


Having an auto insurance policy that covers speeding tickets may increase your monthly premiums by a few hundred dollars. And if you get several tickets over the course of several years, your rates could skyrocket. Additionally, if you get convicted of a speeding ticket, your driver’s license may be revoked, which could result in significant financial consequences.


There is no one-size-fits-all answer to this question, as the cost of insurance for a speeding ticket will vary depending on your driving record and other factors. However, it is generally safe to say that the cost of car insurance goes up with each speeding ticket you receive. If you are considering pleading guilty to a lesser charge in order to avoid a more serious offense like a DUI, be prepared for an increase in your auto insurance rates.