How do I lower my car insurance after a speeding ticket?

I got a speeding ticket last year. My car insurance policy just renewed and my rate went up significantly. How can I lower my insurance?

Emily Maracle · Answered on Oct 22, 2021
Reviewed by Shannon Martin, Licensed Insurance Agent.
Getting a ticket is always nerve-racking and it can impact your car insurance rate. Such a violation can also make you appear riskier to companies, meaning your rate goes up.
Most speeding tickets stay on your record for three to five years. Although this number varies depending on where you live, as your ticket ages, your rate should decrease.
To lower your insurance right now, see if you’re eligible for any additional discounts with your current provider. If you’re normally a good driver, check if you can enroll in a driving behavior or telematics program. If you are a safe driver, you can save money on your policy.
You could also enroll in a defensive driving or driver training course. Insurance companies often offer discounts with proof of completion.
If your current insurance is drastically more expensive with a ticket, look into other companies. Every company rates policies differently, so you could find one that doesn’t rate tickets as negatively.
You can collect quotes online yourself or you could use Jerry. Jerry finds you the best quotes from up to 50 of the top provides and it only takes 45 seconds to sign up!
Should you be unable to find a lower rate now, try shopping around again next renewal. As long as you maintain a clean record, your rate should begin to decrease.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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