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speeding tickets and car insurance rates

To car insurance companies, a speeding ticket can be a sign that you're a riskier driver with a higher chance of getting in an accident. Here we'll break down how various speeding tickets can impact car insurance rates and your driving record.

Not all speeding tickets are created equal

Speeding is one of the most common moving violations. According to the National Highway Traffic Safety Administration, speeding-related accidents killed over 10,000 people in 2012 alone.

Because of the dangers posed by speeding motorists, most states differentiate between lesser speeding tickets and those given for reckless speeds. For example, drivers caught going 5, 10, or even 20 mph over the speed limit may get only one to 3 points on their driving records, while drivers in excess of 30 mph over the speed limit may get as many as 8 points added. The faster you speed, the stiffer the penalty.

How speeding tickets impact car insurance premiums

One factor that insurers look at when determining your car insurance premium is your driving record. A longtime driver with a good driving history may see no increase or a slight hike in premium after a speeding ticket, while younger drivers or those with a history of moving violations may experience a heftier increase. It really depends on your specific circumstances and your insurer's specific pricing factors.

If you get more than one speeding ticket in a short amount of time, your insurer may
take note and respond by upping your car insurance rates. You could also lose any
good-driving discounts you've earned over the years. (And since men are more likely to speed than women, it explains why gents tend to get higher car insurance rates than their counterparts.)

Speed limits: state maximums, facts & trivia

Speeding tickets and your driving record

The amount of time that speeding ticket penalties stay on a driver's permanent record varies from state to state, usually ranging from 12 to 36 months. In some cases, the ticket will stay on your record even though the associated points were removed, so your insurer may still know about the ticket a few years down the line.

Keeping a speeding ticket off your record

If the option is given, drivers should consider taking a driver safety course. Known as defensive driving courses in some states, these state-certified programs offer training in safety and can lead to better driving habits, fewer speeding tickets, and more affordable car insurance rates. Check with your state's DMV to find certified courses in your neighborhood.

Speeding and you

Beyond the expensive ticket itself, speeding tickets can have a lasting negative impact on your car insurance rate. So follow the posted speed limit to keep your record clear and your car insurance rates low.

Related links

Saving money on car insurance rates
Avoiding speeding tickets is just one way to cut down on your insurance costs. Check out our discounts to find other easy ways to save.

Defensive driving tips
Learn some valuable safe-driving tactics to keep you and your passengers safe.