Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Nov 3, 2020

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Key takeaways...

  • Many car insurance companies offer car insurance discounts for good drivers
  • If you have more than one speeding ticket,  you may be classified as a high-risk driver
  • Failing to pay a speeding ticket is a serious offense and one where many states will automatically suspend your license without notice

The worst of the worst has happened and you have just been hauled over by the blue light brigade to be given a speeding ticket?

Apart from the whole experience raising your heart levels the most common thought is, Will a speeding ticket raise my car insurance rates?  The answer to that will vary depending on who your car insurance company is.

If this is your first ticket the effect on your car insurance premiums will most likely be negligible (depending on the speed you were driving).

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Insurance Discounts

Many car insurance companies offer car insurance discounts for good drivers and these discounts sometimes incorporate one allowable speeding ticket in a 3 year period. Be careful though, not all car insurance companies provide exclusion.

If you have more than one speeding ticket and the tickets were given to you in quick succession, car insurance companies may think you are a careless driver, which can affect your car insurance premiums.

First things first, you should always contact a traffic lawyer.

Consider using a reputable attorney as the rate of conviction on a speeding ticket is drastically low and the attorney cost is usually much lower than the speeding ticket fine.

Traffic schools are also an option. The cost of traffic school is usually not much more than 100 dollars and once completed you are awarded a certificate which must be presented to the courthouse clerk.

The traffic school helps eliminate points from your license however there are restrictions.

For instance, if you were driving too many miles over the speed limit they may not accept you and there is also a limit to the number of times you can take the test.

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Failure to Pay a Speeding Ticket

Failing to pay a speeding ticket is a serious offense and one where many states will automatically suspend your license without notice.

If caught driving with a suspended license, you risk being arrested, higher fines.

Car insurance companies reserve the right to exclude coverage should a driver be operating the vehicle with a proper license.

When your driver’s license is suspended you do not have a legal right to drive.

Check out your state laws for the penalties of driving with a suspended drivers license and what happens specifically if you do not pay a speeding ticket within the allocated time.

Why is a driving fine so serious?

Insurance companies take traffic fines seriously.

The Insurance Institute for Highway Safety conducted intense research of varying groups of drivers and discovered that those who have one speeding ticket, in a three year period had a 50 percent higher crash rate than those without.

People who had committed more than one speeding infraction, within the same period, were twice as likely to crash.

Studies further revealed that a conviction for speeding reduced the occurrence of a fatal accident by 35 percent.

It’s also been proven that drivers receiving points on their licenses were generally less likely to be involved in a fatal car accident.

Therefore the car insurance companies have good reason to raise the premiums on your car insurance if you have committed a moving violation.

Your personal profile is one the key factors car insurance companies review to determine your premiums.

This includes your personal details, your age, your location, how long you have been driving for and your driving history.

Before applying for a new policy it may be advisable to contact the State Department of Motor Vehicles to discover if there are any charges against your record.

Often people are unaware that they have a fine posted against their name or license registration, this may be because they have moved or simply that the post is not delivered.

With a simple application to the department of motor vehicles, you can view your total driving record.

Why do we drive over the speed limit?

There are many reasons people drive over the speed limit the most common being, that they are late for work or an appointment.

People drive faster when they know the roads well, men often drive faster at night and young people are twice as likely to be caught driving fast.

Reducing your speed by just a few kilometers will hardly affect the time taken to get to your destination and will certainly prevent you running the risk of getting a speeding ticket and increasing your car insurance rates.

As stated above the first ticket may not affect your car insurance, however, the second ticket almost always will, hopefully, your driving record to date has been good so the elevation of the premium rates may not be too drastic.

These increased rates remain with you for more than a three year period, once this is completed you return to your previous scale of rates as quoted by your car insurance company.

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