How Long Does a Speeding Ticket Stay on Your Record?

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If you feel the need for speed while driving, chances are you’ve gotten a speeding ticket or two. Or maybe you just didn’t realize the speed limit and the police happened to catch you. Whatever the reason for getting a speeding ticket, you’ll get hit with a monetary fine and, most likely, your car insurance will go up–especially if you have more than one ticket.
So just how much is the insurance cost of speeding tickets and how long does your speeding ticket stay on your record? For more information on what you can expect with your car insurance after you receive a speeding ticket, check out the details below.
If you think you’re paying too much for car insurance, download the car insurance broker app Jerry to find the best coverage at the most affordable rates. Signup takes less than 45 seconds and you’ll be presented with quotes from up to 40 top insurers.

How long do speeding tickets affect car insurance?

Depending on your state, you receive points against your driving record. Too many points in a certain period of time can cause you to lose your license. Worst of all, these points can stay on your driving record for up to 10 years. And while some insurers might forgive a first-time offense, not all do.
The speed you are going over the posted limit can also play a part in whether you will see in increase in your annual car insurance premiums or not.

What is the cost of getting a speeding ticket?

With more than 196 million drivers in the U.S., it’s inevitable that some of those drivers will get speeding tickets. In fact, one in every six drivers receive a speeding ticket each year. That’s around 41 million speeding tickets in a year, amounting to more than $6 billion in fines alone.
But a speeding ticket costs more than just a fine. It can also result in an increase in your car insurance premium. This is because insurance companies consider you a bigger risk if you get a speeding ticket.
The increase in your car insurance premium after getting a ticket depends on the state where you live, but on average these rate increases include:
  • Speeding in general: $379 (24.5%)
  • Going 16–20 mph over the speed limit: $386 (24.9%)
  • Going 21–25 mph over the speed limit: $461 (29.7%)
  • Speeding in a 65-mph zone: $428 (27.6%)
Fortunately, if your insurance rates do go up following a speeding ticket, you can still look for more affordable insurance.
“I’m a young driver with one speeding ticket on my record. As my car insurance policy neared renewal, I began shopping around for a new provider and all the quotes I received were similar. I decided to try Jerry and I don’t know how they did it, but they found me a new policy that saves me $150 per month. Definitely recommend you give them a try” - Satisfied Jerry Customer
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The effect of multiple speeding tickets on your car insurance

Unfortunately, getting more than one speeding ticket within a short period of time does affect your rates. In the eyes of your insurance company, multiple speeding tickets in a given period of time increases the risk you pose.
The best tip: Don’t speed! But you can also take some other steps to help reduce the impact of your speeding ticket on your car insurance premiums. This includes taking a defensive-driving course, which can get you a discount with your insurance company to help offset the premium increase.
You can also ask your insurance agent about additional discounts your insurance company offers to help offset the increase.

FAQs

Does one speeding ticket affect insurance?

Yes, even just one speeding ticket will affect your insurance rates. If you have moving violations on your record, your insurance company will increase your premiums.

Are speeding tickets reported to insurance companies?

Yes. Speeding tickets show up on your driver record, and insurance companies can (and will) check your driving record for any moving violations.

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If you want to save money on car insurance, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even cancel your old policy for you.
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