How much does a speeding ticket increase your insurance policy?

How much can a speeding ticket affect your insurance policy? I had a speeding ticket last year and now my policy costs way too much! I know that my driving record isn't the best, but a $600 increase seems like a lot. Is this normal?

“The premium impact on your car insurance policy will depend on a few factors such as:
  • Your insurance company
  • Your prior driving record
  • Where the ticket was issued
  • How many miles you were going over the speed limit
Not all speeding tickets are rated the same. Going five miles over the limit in a 35 mile per hour zone will be much less than going 20 miles over the limit in a school zone.
Insurance companies may rate the ticket less if it is your first offense and more if you already have existing surcharges on your policy. On average, the increase is 25% and will be included in your policy for three years.
If you haven’t yet taken a defensive driver class, you should do so. The course can add a discount to your auto policy and lower any points that may have been added to your driver’s license. Check with your agent and local DMV to see what options are available to you.
Since you saw such a substantial rise in your rate, it is time to shop for a cheaper insurance policy. The easiest way to re-shop a policy is by comparing multiple insurance companies simultaneously.
Try using the Jerry app to help make insurance shopping easier. Jerry compares rates from the top providers and brings the lowest available rates right to the app on your phone for free.”
Shannon Martin
Answered on Aug 26, 2021

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