How Much Will A Speeding Ticket Raise Your GEICO Insurance?

Your GEICO car insurance rate will increase at renewal after you receive a speeding ticket. Shopping around for quotes can help you find a lower rate.
Written by Jaya Anandjit
Edited by Amy Bobinger
Reviewed by Brice Regling
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A speeding ticket will increase your
GEICO
car insurance rate when your policy renews, but the exact rate hike will depend on your state and driving record. Shopping around for a new insurance policy can help you find a lower premium after a speeding ticket.

GEICO insurance rates after a speeding ticket

Car insurance
rates increase by an average of 29% after a single speeding ticket, although the specific rate increase varies from state to state. For GEICO policyholders with full coverage car insurance policies, premiums typically increase by 34% on average following a speeding ticket. 
You’ll notice higher rates for your GEICO car insurance coverage when your policy is due to renew. GEICO will send you a renewal notice with your upcoming policy term rate, which will include a surcharge for your speeding ticket.
GEICO will increase your car insurance rate if you receive a speeding ticket due to the increased risk associated with speeding. Speeding is considered a high-risk activity, and even a first-time ticket on your record can cause your insurance to go up.
If you experience a GEICO premium increase following a speeding violation, consider shopping around for new quotes. Some insurance providers offer cheaper rates to drivers with speeding tickets, so comparing quotes from a few different insurers could help you find a better rate.
app screenshot
The
Jerry
app is a great tool for comparing
car insurance quotes
after getting a speeding ticket.
You can fill out your driver profile to view personalized quotes from top insurers, then choose the cheapest car insurance rate and start your new policy in the app.

Car insurance rate increase by state after a speeding ticket

State
Average % increase after a speeding ticket
Alabama
30.4
Arizona
32.8
Arkansas
39.4
California
40.8
Colorado
26
Connecticut
19.8
Delaware
29
Florida
27.8
Georgia
28.6
Idaho
21.8
Illinois
33.4
Indiana
38.4
Iowa
24.2
Kansas
22
Kentucky
33
Louisiana
38.8
Maine
24.6
Maryland
29
Massachusetts
27.4
Michigan
39.6
Minnesota
29.4
Mississippi
26.6
Missouri
21.4
Montana
24.2
Nebraska
28.2
Nevada
26
New Hampshire
26.8
New Jersey
45
New Mexico
23
New York
20.2
North Carolina
40.8
North Dakota
20.2
Ohio
29.6
Oklahoma
24.6
Oregon
30.2
Pennsylvania
16.8
Rhode Island
31.8
South Carolina
23
South Dakota
27.2
Tennessee
30.4
Texas
16.2
Utah
24.4
Vermont
21.6
Virginia
31
Washington
32.8
West Virginia
26.4
Wisconsin
38.6
Wyoming
29

Factors that affect your GEICO car insurance rate after a speeding ticket

Based on a few factors, your GEICO car insurance rate may increase more or less after a speeding ticket. Your rate hike will be determined based on:
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State regulations
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How fast you were traveling over the speed limit
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Whether you pleaded guilty or not guilty to the ticket
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Your current
driving record
, including past car accidents, infractions and traffic violations like DUIs or reckless driving
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Your insurance history, including claims and at-fault accidents
A speeding ticket will stay on your driving record for approximately three to five years, during which time it will be viewable by auto insurance companies. However, your rates could potentially decrease as the traffic ticket falls further back on your record if you maintain an otherwise clean driving record. 
To ensure you’re getting the best rate for your car insurance coverage based on your driving record, it’s wise to reshop for insurance on a regular basis. 
app screenshot
Reshopping every six months can help you identify opportunities to save on your car insurance costs.
The
Jerry
app offers a reshopping feature that automatically offers new quotes when your policy is due to renew, or if a new provider is available in your area.

How to save on insurance after a speeding ticket

After you receive a speeding ticket, there are a few things you can do to reduce the impact it could have on your car insurance rate. Here are some top tips. 

Fight the ticket 

If you haven’t already paid the ticket, you should opt to fight it in court. Paying the ticket serves as an admission of guilt in most states, which will lead to demerit points on your record, a fine, and even a driver’s license suspension. If you have valid evidence and the support of a ticket lawyer to defend your case, you should plead not guilty and attempt to have the ticket dismissed to avoid points, fines, and a car insurance rate hike. 

Take a defensive driving course

If your ticket isn’t dismissed, you may be able to take a safe driving course to remove points from your driving record. Less points on your record could lower the impact of a speeding ticket on your car insurance rate, but keep in mind that you may not qualify for insurance savings if your course enrollment was court-mandated. 

Seek discounts

A speeding ticket on your driving record may disqualify you from the benefits of a
good driver discount
, but there are still tons of other car insurance discounts that you may be eligible for. Popular GEICO discounts include a new car discount, anti-theft discount, pay-in-full discount, and a bundling discount for policyholders with homeowners insurance or renters insurance and auto coverage.

Enroll in telematics

GEICO’s
DriveEasy
telematics program can lower your car insurance premiums by 15% or more when you track your driving habits using the mobile app. The app tracks your on-road safety and rewards you with a discount if you consistently exemplify safe driving habits. 

FAQs

How much will my GEICO insurance rate go up after a speeding ticket?

GEICO auto insurance rates increase by an average of 34% after a speeding ticket, but depending on your state and circumstances, your rate may increase more or less. 

Does GEICO offer good rates to drivers with speeding tickets?

GEICO offers fairly affordable rates to drivers with speeding tickets, but your post-violation premiums will heavily depend on your state, your driving record, and the severity of the ticket. 

How does GEICO calculate car insurance rates?

GEICO uses various factors to calculate car insurance rates, including your location, age, gender, credit score, vehicle type, driving history, and insurance record. Your state’s regulations will also play a part in your rate calculation.

How long will my insurance rates be high after a speeding ticket?

Speeding tickets typically affect insurance premiums for three to five years, depending on your state. Even a first speeding ticket will impact your rates.

How long does a speeding ticket stay on my driving record?

A speeding ticket will typically
remain on your driving record
for three to five years, although the exact timeline depends on the state you live in. 

Does GEICO offer discounts after a speeding ticket?

You will likely not be eligible for a good driver or safe driver discount after a speeding ticket, but GEICO offers numerous other discounts that you could qualify for, even with a speeding ticket on your record. Ask your GEICO insurance agent about vehicle equipment discounts, driver affiliation discounts, and customer loyalty discounts.

What are the best car insurance companies after a speeding ticket? 

The best auto insurance provides for drivers with speeding violations include GEICO, USAA, State Farm, and Progressive.

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