Speeding ticket car insurance rates are typically higher than average, but it all depends on your chosen insurance company and the state you live in.
Key Takeaways: ; The cost of a speeding ticket depends on various factors, including your state and driving speed. ; The average car insurance premium for a driver with a single speeding ticket is $2,503 per year, according to our rate analysis. ; USAA has the cheapest car insurance for drivers with a speeding violation among the companies we analyzed. The next cheapest is Erie.
Find out how long a speeding ticket can stay on your record in your state and how it will affect your car insurance rate.
Your prior driving record, including other traffic violations and at-fault car accidents ; Whether your speeding ticket was a first offense ; The amount of time since your last moving violation
Speeding tickets usually increase your car insurance rates, but you may not face a rate hike if it’s your first speeding offense.
A speeding ticket for driving 16 to 20 mph over the limit could raise your full-coverage car insurance premium by an average of 25%. ; If you’re convicted of a DUI, your insurance rate could increase by 70% on average. ; To lower insurance costs, consider going to traffic school, asking about discounts, enrolling in a telematics insurance program and improving your credit.
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