Will My Insurance Go Up If I Get A Speeding Ticket Geico?

Speeding is no laughing matter, and rightly so. It’s one of the most common traffic violations and can lead to serious consequences. In fact, many drivers fear that their insurance rates will go up if they get a speeding ticket. Fortunately, this is not always the case. When you contact your insurance provider, be sure to ask about your specific situation and whether or not a speeding ticket will affect your rates.

You may be pleasantly surprised by the results. Speeding isn’t the only issue you can face if you get pulled over. If you have any questions about the consequences of a traffic stop, don’t hesitate to reach out to an attorney for guidance.

How Speeding Affects Your Insurance

Speeding tickets can affect your car insurance rates if you’re caught driving 10 mph over the limit. If you’re convicted of a speeding ticket, your insurer could decide that you are a higher risk driver and raise your premiums accordingly. Geico is one of the most popular car insurers in the United States, so it’s important to know how speeding affects your rates with them.

Speeding Tickets & Car Insurance
If you’re pulled over for a traffic violation and are found to be driving 10 mph or more over the speed limit, you may be subject to a conviction on your record and increased car insurance rates from most companies. For example, with Geico, convictions for driving 10 mph or more over the limit can increase our base premium by as much as 30%.

That said, not all convictions will cause an automatic increase in premiums; it depends largely on your individual driving record and the type of policy you have with Geico. In addition, not all speeding tickets result in fines being paid; some people get warnings instead. Regardless of whether or not fines are paid or arrests made, any conviction on your record will affect your rates with Geico.

Geico’s Policy on Speeding Tickets

Geico is a company that believes in driving safe and following the law. That’s why we have a policy against speeding tickets. If you get pulled over for driving too fast, Geico may not approve your claim.

We don’t believe in playing games with the law and will only approve claims when drivers are following the speed limit exactly and weren’t intoxicated or using any drugs at the time of their arrest. This means that if you received a ticket for going 50 miles per hour over the speed limit, we may not approve your claim due to the fact that you were obeying all traffic laws at the time of your arrest.

However, if you received a ticket for going 70 miles per hour over the speed limit, we would likely approve your claim because you could be considered operating recklessly under these circumstances.

How to Fight a Speeding Ticket

If you get a speeding ticket, your insurance rates could go up. Premiums for auto insurance can vary depending on factors like your driving history, age, and where you live. However, most companies will increase your rates by anywhere from 10 to 25 percent if you’re convicted of a speeding ticket. If you’re worried about how much your premiums will increase, it’s best to talk to your insurance company before getting pulled over.

What If I Get A Speeding Ticket and My Car is Destroyed In The Process?

If you get a speeding ticket, your car insurance company may raise your rates as a result. Geico can help you understand how your rates may change if you get a speeding ticket and your car is destroyed in the process.

Speeding tickets can impact both auto and home insurance rates. Auto insurance rates will typically increase according to state law because getting caught driving above the speed limit increases your chances of being in an accident. Home insurance rates might also go up if the vehicle involved in the speeding ticket was used for personal property or liability purposes.

Speeding tickets that involve damage to other vehicles are usually considered more serious offenses and can lead to higher auto insurance premiums as well as increased home insurance premiums. If your car is destroyed as a result of getting pulled over for speeding, be sure to speak with an insurance expert to find out how much your rates may change.


Speeding tickets can result in a variety of penalties, some of which are more serious than others. If you have been driving within the speed limit and receive a speeding ticket, it is important to know whether your insurance will go up as a result. Depending on the state where you reside and the specific infraction that was committed, your rates could go up significantly.

In order to find out for certain what might happen to your rates after getting caught breaking the law, it is best to contact your insurance company or speak with an experienced attorney about the matter.