How long do accidents and tickets affect my car insurance premiums?

I just got ticketed for speeding, and I also have a two-year-old at-fault accident on my record. How long will they affect my rates?

Answer
“The length of time that tickets and accidents can impact your insurance rates vary from state to state. In most cases, it is an average of three years.
For moving violations and tickets, a surcharge will be added to your policy upon renewal and after the court date of the violation. For accidents, a surcharge will be added upon renewal after the claim is closed.
While tickets and accidents will typically be surcharged on your policy for three years, the surcharge will lessen each year and then fall off.
In your case, the accident will probably come off your policy in a year. You may need to wait three years to be rid of the speeding ticket surcharge.
Not all insurance carriers rate accidents and tickets in the same way. If your current rate is too high, look for cheap car insurance elsewhere by getting quotes online.
If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute!”
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Shannon Martin
Answered on May 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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