Blog

Latest Posts

Photostream

Social

https://s3.us-west-1.amazonaws.com/www.trafficschool4busypeople.com-production/uploads/

HOW DOES A SPEEDING TICKET AFFECT YOUR CAR INSURANCE RATES?

Posted January 18, 2023
HOW DOES A SPEEDING TICKET AFFECT YOUR CAR INSURANCE RATES?
https://www.forbes.com/advisor/car-insurance/speeding-ticket-stay-on-record/

 

How Does a Speeding Ticket Affect Your Car Insurance Rates?

A speeding ticket will increase your car insurance costs by $380 per year on average, according to Forbes Advisor’s analysis. That’s an increase of 24%. Car insurance companies see drivers who speed as riskier to insure, which is why your costs go up at renewal time if you get a speeding ticket.

How much your costs increase after a speeding ticket will depend on several factors, such as:

Whether your speeding ticket was your first offense

How many miles per hour you were speeding over the limit

Your driving record, including other traffic violations and at-fault car accidents

The amount of time since your last moving violation

If your car insurance costs go up because of a speeding ticket, it won’t happen immediately. You’ll typically see your rate increase when you renew your policy or buy a new policy because that’s when insurers check your driving record.

How Long Will a Speeding Ticket Affect Car Insurance Rates?

Auto insurance companies can apply a surcharge for traffic violations such as a speeding ticket for three to five years, depending on your state.

For example, states, such as New Jersey and Texas allow insurers to apply surcharges for three years. Other states, such as Massachusetts, allow insurance companies to apply surcharges for up to five years.

Some insurance companies and state laws will decrease the amount of the surcharge for every year that you drive without another moving violation or at-fault accident, meaning your insurance costs could decrease if you practice safe driving habits.

How Long a Speeding Ticket Stays on Your Record by State

Speeding tickets stay on your record for between three and seven years, depending on your state. Here’s a look at how long a speeding ticket stays on your record in some states.

How long a speeding ticket stays on your driving record in California

A speeding ticket in California can stay on your record for three to seven years. Moving violations result in points, but if you are eligible, you may be able to pay a fee and go to traffic school. If you complete traffic school, you will not get any points on your driving record.