How a speeding ticket impacts your insurance in North Dakota

One of the most serious traffic offenses is speeding tickets. Although you might think a speeding ticket is harmless, there are serious consequences. A North Dakota speeding ticket will not only result in a fine but it can also affect your car insurance premium.

What is the cost of a North Dakota speeding ticket?

You can be issued a speeding ticket in North Dakota if you exceed the posted speed limit. The severity of the offense will determine the fine. A driver could be fined $30 for going six mph faster in a zone of 70 mph or $50 for going sixteen mph faster in a zone of 60 mph.

Drivers who are cited for speeding in North Dakota will also have points added to the driving record. The severity of the incident determines the number of points. Drivers in North Dakota with six or more points on their records are at risk of losing driving privileges temporarily.

What does a speeding ticket do to your North Dakota car insurance?

North Dakota drivers who are cited for speeding will see an increase on their car insurance premium. The exact rate hike will vary depending on the severity of the violation. However, the average rate rise in North Dakota is 17% to 18%. The premium can also be affected by the driver’s gender and age.

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A North Dakota speeding ticket will generally result in a higher rate increase for females than it will for males. The rate increases for older drivers are typically less than those experienced by younger drivers.

How to reduce your car insurance following a North Dakota speeding ticket

A North Dakota speeding ticket will cause your car insurance premium to rise, even if you drive well. There are still ways to save money on your car insurance after getting a speeding ticket.

Get estimates from other car insurance providers

Your insurance company will determine how much your premium will rise after a ticket. Switching to another insurance company is a great way to lower your rates. Below is a table that shows the top North Dakota car insurance companies and the average rate rise after a speeding ticket.

Do your research before you decide to switch insurance companies. Make sure you do your homework and find the right insurance company for you. To get a better idea of customer service, take the time to read third-party reviews. Next, request quotes from several providers to see the best rate.

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Look for discounts

To keep your North Dakota speeding ticket fee low, you should make sure that you take advantage of any discount available. Insurance companies often offer discounts that you can claim even if your driving record is not perfect. Saving money is possible by paying your annual premium fully, enrolling for automatic payments, taking defensive driving courses, and insuring multiple vehicles.

Raise your deductible

To avoid major rate increases after a speeding ticket, you might consider increasing your deductible in order to receive a lower monthly premium. In the event of a claim, make sure that you are able to afford a higher outgoing cost. Keep in mind that insurance companies usually have a maximum amount of deductibles, usually around $2,000.

Additional speeding ticket considerations

A North Dakota speeding ticket can lead to additional penalties and a higher insurance rate. A minimum fine of $250 will be assessed for each speed that you exceed the posted limit. Traffic court will be required if you wish to contest your speeding ticket.

You should also remember that if you are caught speeding while doing something illegal, you could face much harsher penalties. You could lose your driving privileges if you are caught texting and speeding or driving recklessly while speeding.

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Questions frequently asked

Which insurance company is best for drivers who have been cited for speeding?

The best car insurance company for drivers with speeding tickets on their record will vary. It all depends on where you live and what coverage you need. Choosing the best car insurance in North Dakota starts by comparing providers using your personal criteria.

What is the cost of North Dakota car insurance?

In North Dakota, the average cost of car insurance is $1,264 per year for a full coverage policy and $105 per year for a minimum coverage policy. North Dakota’s average rate is lower than that of the United States, which averages $1,674 annually for full coverage insurance.

What is the North Dakota minimum car insurance?

North Dakota law requires that car insurance be purchased. Drivers must carry at least 25/50/25 personal liability insurance in order to meet North Dakota’s car insurance laws. Minimum coverage policies include $25,000 per person in bodily injuries, $50,000 per accident in bodily injuries and $25,000 per accident in property damage coverage.