Question

Can a ticket older than 3 years still hurt your rate?

My insurance rates went up because of a speeding ticket 6 years ago. Is this really allowed? I thought I would only be charged for 3 years?

Jan 23, 2017 Somerset, KY

Answer
Neil Richardson

Jan 23, 2017

Once the ticket passes 3 years, then your insurance company should no longer be charging you for the incident. If that specific ticket is why you're being charged a higher rate, then I would recommend shopping aroundfor a company that will accurately price your coverage. There is no sense in paying more than you should.

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