How do speeding tickets affect car insurance?

Okay, I got a speeding ticket, which is really annoying. On top of everything else, is my premium for auto insurance going to rise?

“Speeding tickets will be taken into consideration when an insurance company is determining your rates, but you are not alone. One in six drivers gets a speeding ticket every year.
The surcharge applied for having a speeding ticket can depend on your driving history, along with the amount over the speed limit you were ticketed for.
For example, being ticketed for driving at higher speeds will have a greater impact than if you were traveling only six to 10 miles per hour over the limit. Here are some more examples, but note it will depend on where you live.
  • 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%)
If you rates go up too much, it might be time to look around for something new. 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. Jerry will help sign you up for a new policy and will even cancel your old policy for you.”
Alexah Grinnell
Answered on Aug 06, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free