Can my insurance raise my rate if I get a speeding ticket?

"I got a speeding ticket recently and I'd like to know if it'll impact my rate? Is there any way to tell?"

“Whether your speeding ticket will impact your rate depends on your car insurance carrier. Every carrier uses a variety of factors to determine rates.
Most carriers look at your driving history, age, credit history, and location, which can all influence your rate. The type of speeding ticket you got and any other previous tickets or accidents would also factor into your rate.
The best thing to do would be to reach out to your car insurance carrier. They will be able to help determine whether your rate may increase or not.
If it does, you do have the option to shop around. While a speeding ticket with your current carrier may be influencing your rate, it could have less of an impact with another carrier. Even with a ticket, you may be able to find a lower rate than what you’re currently paying.”
Emily Maracle
Answered on Jul 26, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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