How Much More Does Your Insurance Cost After A Speeding Ticket?


Speeding is a serious traffic offense that can have serious consequences. If you’re convicted of a speeding ticket, you may be subject to penalties such as increased car insurance premiums and driver’s license suspension. In this article, we will explore how much more your insurance costs after a speeding ticket. We will also provide tips on how to minimize the impact of a speeding conviction on your insurance rates. Knowing these details can help you save money on your car insurance premiums and protect your livelihood. So read on to learn all you need to know about speeding and insurance rates after a ticket.

What is covered under your car insurance

Under most car insurance policies, if you get a speeding ticket, your rates will increase. The amount of the increase will depend on how much more than the speed limit you were caught driving. In general, rates for cars driven 10 mph or more over the speed limit will be about 25 percent higher than rates for cars driven within the speed limit.

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How your car insurance rates are affected by a speeding ticket

Speeding tickets are one of the most common traffic violations that get drivers pulled over. Even if you’re not driving the car when the ticket is issued, your rates may be affected because your insurance company assumes you’re the driver. The more serious your speeding ticket, the higher your rates will be.

Most states have laws that penalize drivers for going over a certain speed limit. If you’re caught driving 10 mph over the limit in a 40 mph zone, for example, your insurance rates could increase by as much as 50%. Not only will you have to pay more each month, but you could also face points on your license and a possible suspension.

If you’ve been cited for speeding and don’t know how much your rates will go up, consult with an insurance agent or broker to get an estimate. Many agents offer free consultations to help their clients understand their coverage and find the best deal.

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What to do if you get a speeding ticket

If you have received a speeding ticket, your insurance rates will likely increase. Depending on the severity of the ticket, your rates could go up by as much as 25%. In order to prepare for this increase and ensure that you are fully covered, be sure to contact your insurer and ask about rate adjustments. Many insurers offer temporary reductions or waivers in rates while a case is being appealed or during periods when a driver maintains good driving records.


Speeding tickets can be costly, and the fines associated with them can add up quickly. If you have received a speeding ticket in the past, it may be worth your while to inquire about your insurance coverage after getting caught. Many times, an increase in premium will cover the cost of fines and court costs associated with a speeding ticket. Speak with your insurance provider to see if this is true for you and to get started on finding ways to save money on car insurance.