For How Long Does a Ticket Impact Your Car Insurance?

Your premiums could rise for three years after you receive a citation.

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For how long does a speeding ticket stay on your car insurance record?


While it varies by your state, car insurance company, and severity of your ticket, you should expect a speeding citation to impact your rates for at least three years. In 2018, the average premium increase after a speeding ticket was $1,329 over three years. Let’s break this down by car insurance company and the type of speeding ticket.


How long does a ticket impact your insurance rates?
  1. Average premium by speeding ticket and car insurance company
  2. Does a ticket in a different state impact your record?
  3. How to save after a ticket




Average insurance premium increase: by citation type


The duration for which your premium will be impacted by a speeding ticket depends on your location, your insurer, and the severity of your violation. We pulled rates from top car insurance companies across the US and assessed rates after five levels of speeding ticket severity. Detailed methodology is available here.





Speeding: 6-10 MPH > speed limit


If you’re ticketed for speeding 6 to 10 miles over the limit, expect your premium to increase by $208 the first year.


6-10 MPH > LIMIT
Insurer's Average Premium — No TicketYear OneYear TwoYear Three
Allstate - $2,006$2,232$2,459$2,685
Farmers - $1,821$2,045$2,269$2,492
GEICO - $1,392$1,468$1,543$1,619
Liberty Mutual - $2,068$2,101$2,134$2,168
Nationwide - $1,237$1,458$1,678$1,899
Progressive - $1,682$2,083$2,483$2,884
State Farm - $1,571$1,977$2,382$2,787
USAA - $1,047$1,124$1,202$1,279

If you’re a Liberty Mutual customer, your premium will increase the least. However, this does not mean your premium will be the cheapest before a ticket. Data show USAA, Nationwide, and GEICO typically offer more affordable policies than Liberty Mutual, both before and after a ticket.




Speeding: 11-15 MPH > speed limit


No tangible insurance cost difference exists between a ticket for speeding 6 to 10 miles per hour versus 11 to 15 miles per hour over the limit. Liberty Mutual still offers smallest premium increase, while USAA and GEICO provide the most affordable rates, overall.


11-15 MPH OVER LIMIT
Insurer's Average Premium - No TicketYear OneYear TwoYear Three
Allstate - $2,006$2,256$2,505$2,755
Farmers - $1,821$2,045$2,269$2,492
GEICO - $1,392$1,468$1,541$1,614
Liberty Mutual - $2,068$2,101$2,134$2,168
Nationwide - $1,237$1,469$1,702$1,934
Progressive - $1,682$2,091$2,499$2,908
State Farm - $1,571$1,983$2,395$2,806
USAA - $1,047$1,124$1,202$1,279



Speeding: 16-20 MPH > over limit


There’s a $50 premium increase attached to a ticket for breaking the speed limit by 16 to 20 miles per hour. For a ticket of this severity, GEICO offers the smallest premium increase and the second cheapest overall premium, after USAA.


16-20 MPH OVER LIMIT
Insurer's Average Premium - No TicketYear OneYear TwoYear Three
Allstate - $2,006$2,415$2,824$3,233
Farmers - $1,821$2,045$2,269$2,492
GEICO - $1,392$1,468$1,493$1,518
Liberty Mutual - $2,068$2,177$2,252$2,327
Nationwide - $1,237$1,469$1,702$1,934
Progressive - $1,682$2,103$2,524$2,945
State Farm - $1,571$2,130$2,689$3,248
USAA - $1,047$1,129$1,210$1,292



Speeding 21-25 miles over limit


A speeding ticket in this range will increase your premium $251 per year, or more than $1,500 compounded over a three-year rating period. USAA and GEICO again provide the cheapest rates.


21-25 MPH OVER LIMIT
Insurer's Average Premium - No TicketYear OneYear TwoYear Three
Allstate - $2,006$2,415$2,824$3,233
Farmers - $1,821$2,045$2,269$2,492
GEICO - $1,392$1,468$1,470$1,472
Liberty Mutual - $2,068$2,177$2,252$2,327
Nationwide - $1,237$1,469$1,702$1,934
Progressive - $1,682$2,103$2,524$2,945
State Farm - $1,571$2,130$2,689$3,248
USAA - $1,047$1,129$1,210$1,292



Speeding in a school zone


Speeding in a school zone will increase your premium by an average of $182 your first year, or $1,092 in total compounded premiums. In this scenario, USAA, Nationwide, and GEICO are the cheapest options.


SPEEDING IN A SCHOOL ZONE
Insurer's Average Premium - No TicketYear OneYear TwoYear Three
Allstate - $2,006$2,232$2,459$2,685
Farmers - $1,821$2,109$2,396$2,684
GEICO - $1,392$1,468$1,533$1,598
Liberty Mutual - $2,068$2,101$2,134$2,168
Nationwide - $1,237$1,458$1,678$1,899
Progressive - $1,682$2,088$2,493$2,899
State Farm - $1,571$1,712$1,853$1,993
USAA - $1,047$1,124$1,202$1,279




Does a ticket in a different state impact your insurance policy?


Most states participate in the Driver's License Compact — or DLC — in which they share violation information between a driver’s home state and the state in which a violation occurred. Because not all states participate or share information, the impact of an out of state ticket may vary, depending on where you're cited.

Massachusetts, Michigan, Tennessee, and Georgia are not members. Other states, such as Colorado, Maryland, Nevada, New York, and Pennsylvania, will only share information for major convictions, such as a DUI or reckless driving charge.

In short, the impact will depend on both states and the nature of the violation.





How to save on car insurance after a ticket


Aside from successfully contesting the ticket, your best bet for saving money on car insurance is to shop around. Your car insurance company is an key deciding factor in how much you pay after a ticket. Enter your zip code below to see how much you should be paying, given your driving record.




Find affordable auto insurance today!

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Additional ways to save and related articles:


Let’s outline some other quick fixes to help keep your premium low.



Be smart with your claims

Most insurance experts advise you to only use your car insurance coverage if the value of damage exceeds your reasonable ability to pay for it. This is because most insurance companies will substantially raise your rates after you file a claim. On average, an at-fault collision claim raised rates an average of $747 per year. Like a ticket, you should expect an at-fault accident to impact your rates for 3 to 5 years.

If you’re unsure of whether or not to file a claim, see our guide below.

  • Get an estimate for the repairs at a local auto body repair shop.
  • Use our State of Insurance Analysis to see by how much an at-fault accident would impact rates in your state.
  • Compare the out of pocket expense to the rate increase (plus your deductible). If it is cheaper to file a claim, do that.


Only pay for coverage you need

If your owned vehicle is worth less than $4,000, you typically do not need comprehensive or collision coverage. These coverages are not required by law and only act to protect the physical value of your vehicle. However, if your vehicle is not worth much, you could be paying for more insurance than you need.

You can determine the value of your vehicle from Kelley Blue Book or NADA online. If you remove comprehensive and collsion coverage, consider adding uninsured motorist coverage. Which will help protect you from uninsured drivers.



Double check for discounts

Discounts are not going to be a big money saving in terms of car insurance. Moreover, you should not stay with your current insurer simply because they offer you a discount. However, discounts can be helpful in saving a few bucks. Below are some common discounts you should check on.




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