How Long Does a Speeding Ticket Stay on Your Record?

Speeding tickets can stay on your record for up to 10 years, though it's usually shorter than that. Read this guide on speeding tickets and insurance to learn more.
Written by Cheryl Knight
Reviewed by Carrie Adkins
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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.
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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
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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.


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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