How Long Does a Speeding Ticket Stay On Your Record For Insurance?

Speeding tickets typically stay on your insurance record for three to five years and can result in rate increases of more than 20%.
Written by Sarah Gray
Edited by Lauren Smith
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If you get a speeding ticket, you can typically expect the
points
to stay on your driving and insurance records for at least three years, though this time frame can vary. Generally, the ticket will affect your
auto insurance
premium for at least as long as it remains on your driving record.

How long does a speeding ticket stay on your car insurance record?

In general, a
speeding ticket
will impact your car insurance rates for at least three years. But this can vary depending on your auto insurance company, where you live, and the seriousness of the violation.
Jerry’s experts have done all the research to help you better understand driver’s license points and how they can affect insurance costs.
Your driving record is a key factor in determining how long you should expect increased insurance costs. 
Insurance companies pull your driving record, or
Motor Vehicle Report (MVR)
when you first purchase your policy, then again every six to 12 months at policy renewal. Your state’s laws determine how many points are associated with your speeding ticket and how long they will remain on your record. 
As long as your provider sees points or a violation on your driving record, it could, and probably will, result in increased rates. Speeding tickets generally remain on your driving record from three to five years, depending on your state’s laws.
Note that your insurance may not increase immediately after you get a speeding ticket. Instead, you should expect the increase
at your next insurance policy renewal
.
A speeding ticket will generally affect your insurance rates for three to five years.

How a speeding ticket affects your insurance premium

Insurance providers weigh moving violations, like speeding, reckless driving, and DUIs differently, and you may be able to find a provider who doesn’t penalize you as severely. However, if you’ve had multiple speeding tickets, it’s common to see your premiums increase since speeding is a high-risk driving behavior. 
With most insurance companies, violations that occurred in the past three to five years will lead to higher premiums through surcharges—
fees added to your premium
, usually following a ticket or at-fault accident. However, some insurers will give you a break for your first offense, or they may offer
accident forgiveness coverage
For example,
Progressive insurance rates
don’t typically increase following a first-time speeding offense in a three-year period, though you might lose any good driver discounts you had.1 On the other hand, your
GEICO insurance premiums
could increase after your first violation if you’re traveling 20 mph or more over the posted speed limit.2
To find out what types of leeway your policy may provide when it comes to increases from speeding tickets, check your policy details. According to our research, this is how much of an increase you could see from some top providers:
Insurance company
Average rate increase after a speeding ticket
15%
17%
American Family
22%
26%
26%
31%
37%
38%
43%
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Remember: Every car insurance company calculates rates differently and that includes how they deal with traffic offenses. Your rate may increase by less or more than shown in this table based on the length of time you’ve been with your provider, your existing record, and whether or not you plead guilty to your ticket.

Does a ticket in a different state impact your insurance rates?

Since most states participate in the
Driver’s License Compact (DLC)
, in which a state’s department of motor vehicles (DMV) agrees to share information about traffic violations with a driver’s home state, odds are good that even an out-of-state speeding ticket will affect your insurance. Information shared between states includes, but is not limited to, “points assessed on a minor offense such as speeding and suspension of license or a major violation such as DWI/DUI.” 3
Michigan, Tennessee, and Georgia do not participate in the DLC, so tickets received in those states may or may not wind up on your home state driving record. These states also do not share records for non-moving violations, such as parking tickets.

How to save money on car insurance after a speeding ticket

One of the best ways to
save your car insurance rates
from a ticket-related hike is to fight the ticket. If it never winds up on your driving history, then it won’t affect your rates. 
However, even if you’re not able to fight your ticket, there are still plenty of ways to save on car insurance after you’ve had a speeding ticket. These are four of the best ways Jerry’s experts have found to keep insurance affordable following a speeding ticket:

Shop around for a new policy

The simplest way to compare auto insurance quotes from multiple providers based on your current driving record is to use the
Jerry
app. In just a few minutes, Jerry will use your unique driving profile to generate real, free quotes from providers in your area.
Once you see a quote you like, just tap to select it. Jerry will gather any information needed to complete your application, and you could have your new digital insurance cards in hand within an hour or two.
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Take a defensive driving course

Many states offer the option to remove points from your driving record or even have a violation removed from your record by successfully completing a defensive driving course or other traffic school. This may not result in an immediate reduction in auto insurance rates, but the sooner the violation is removed from your record, the sooner you’re likely to enjoy lower rates.

Seek discounts

A speeding ticket could disqualify you from good driver discounts, but there are still plenty of other discounts available from most providers. Seek out discounts for paying in full,
bundling homeowners or renters insurance with auto insurance coverage
, and vehicle anti-theft devices—these usually aren’t affected by tickets.

Enroll in telematics

Many providers, such as Progressive, GEICO, and State Farm offer
drive-tracking programs
that can help you earn discounts for safe driving. 

Use Jerry’s DriveShield™ 

The safe driving behaviors that earn you discounts with telematics could also earn you points and perks from 50+ brands with Jerry’s
DriveShield
. DriveShield monitors safe driving habits and rewards you points you can redeem for deals like 15% off a JiffyLube and $10 off at Doordash—the safer you drive, the more points you’ll get!

FAQ

How long is a speeding ticket on your record in North Dakota?

In North Dakota, a speeding ticket will remain on your record for at least three years.

How long do traffic tickets affect insurance in California?

In
California
, speeding tickets remain on your driving record for three years and three months. This means they’ll affect your insurance for at least that long as well.

How long does a speeding ticket affect your insurance in Texas?

In Texas, a speeding ticket will remain on your record for at least three years. This means they’ll affect your insurance for at least that long as well.

How long do violations stay on your driving record in NJ?

In New Jersey, a speeding ticket will remain on your record for at least five years. 

How long do insurance points last in NC?

In North Carolina, points remain on your record for at least three years. This means they’ll affect your insurance for at least that long as well.

What is the duration that a speeding ticket remains on your driving record for insurance purposes in Florida?

In Florida a speeding ticket will remain on your record for at least five years. Depending on your provider, it could affect your insurance for at least that long as well.

How long does a speeding ticket stay on your record for insurance with GEICO?

Generally, a speeding ticket will stay on your record for insurance with
GEICO
for at least three years. To find out for sure, check with your GEICO insurance agent.

How long does a speeding ticket stay on your record?

How long a speeding ticket stays on your record depends mostly on how the state in which you live handles traffic infractions. As most states use a points system, it will depend on the number of points assigned to your ticket and how your state retires points from a driving record.

How do speeding tickets affect your driving record?

In most states, a speeding ticket will result in driver license points being added to your driving record. The number of points often depends on how fast you were traveling, and whether the speeding violation is combined with other violations, like reckless driving, an at-fault accident, or running a stop sign or a red light.
If you accumulate enough points or infractions on your driving record within a given amount of time, most states will suspend or revoke your driving privileges.

What is the duration that a speeding ticket impacts car insurance premiums?

A speeding ticket usually affects your insurance premiums for about three years. However, this depends a lot on who your insurance is with and where you live. 
For example, a minor speeding violation in
New York
will only remain on your record for one year, so it won’t affect your insurance for too long. However, if you’re caught speeding in
Virginia
, that ticket will sit on your record for five years, affecting insurance rates the whole time.

Meet our experts

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Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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Lauren Smith
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Expert Insurance Writer and Editor
Lauren Smith is an insurance writer with over five years of experience in the writing industry. Lauren specializes in car insurance, automotive news, and car review content. As someone with an especially keen eye for detail and organization, it’s Lauren’s mission to execute well-researched, informative, and engaging articles. Lauren has written over 500+ articles since joining Jerry’s editorial team.
Prior to working with Jerry, Lauren was a contributing writer to the Matador Network, Korvia Consulting and World Nomads and taught English in South Korea.

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