Speeding Ticket Insurance Cost Calculator
A $150 ticket rarely costs just $150. Calculate the true 3-year compounding premium increase across all 50 states and discover how traffic school can protect your rates.
A speeding ticket increases auto insurance premiums by an average of 24% ($444/year) for 3 consecutive years, adding $1,332 in surcharges on top of the initial $150 to $300 court fine. Driving 11 to 20 MPH over costs an average of $1,480 in total lifetime penalties, while taking an approved defensive driving course can erase up to 100% of the insurance hike.
Violation & Policy Details
Select your citation type and baseline premium to compute true 36-month losses.
True Ticket Cost
Completing an approved 4 to 8-hour online traffic school ($25–$45) can dismiss points and prevent the entire 3-year insurance hike in participating jurisdictions.
Average Rate Hike by Violation Severity (2026 Underwriting Index)
Actuarial rate adjustments across top US private passenger auto carriers.
| Moving Violation | Avg Rate Increase (%) | Avg Annual Dollar Hike | 3-Year Cumulative Cost | Typical DMV Points |
|---|---|---|---|---|
| Speeding 1 – 10 MPH Over | +14% | +$259 / yr | $777 | 2 Points |
| Speeding 11 – 20 MPH Over | +24% | +$444 / yr | $1,332 | 3 Points |
| Speeding 21+ MPH Over (Excessive) | +38% | +$703 / yr | $2,109 | 4 – 6 Points |
| Failure to Stop (Red Light / Sign) | +22% | +$407 / yr | $1,221 | 2 – 3 Points |
| Distracted Driving / Texting | +26% | +$481 / yr | $1,443 | 3 Points |
| Reckless Driving (Misdemeanor) | +65% | +$1,202 / yr | $3,606 | 6 Points + SR-22 |
Frequently Asked Questions: Speeding Tickets & Insurance
How much does a speeding ticket increase car insurance on average?
A speeding ticket increases car insurance rates by an average of 18% to 32% (approximately $330 to $590 extra per year) depending on how many miles per hour over the speed limit you were cited. Driving 21+ MPH over can cause rates to jump by 38% to 45%.
How long does a speeding ticket affect your car insurance rates?
In most states, insurance companies factor speeding violations into your policy rating for exactly 3 years (36 months) from the date of conviction. Some non-standard insurers and states may review driving records up to 5 years.
Will my insurance find out about a ticket immediately?
Not immediately. Insurers typically pull your state Motor Vehicle Record (MVR) upon your semi-annual or annual policy renewal. However, once the renewal cycle hits, the conviction will trigger an automated underwriting surcharge.
Can traffic school or defensive driving prevent an insurance increase?
Yes. In states like California, Texas, Florida, and New York, completing a state-approved 4 to 8 hour defensive driving or traffic violator course masks the point from public record or grants a statutory 5% to 10% insurance discount, preventing the rate hike.
Which insurance companies are cheapest after a speeding ticket?
National underwriters like Progressive, GEICO, and State Farm frequently offer the most competitive post-ticket rates, especially for drivers with previously clean 5-year records.