You’re cruising down the road when you notice flashing lights behind you. Slowing down, you realize — you’re over the speed limit. While it may not feel as dangerous as weaving in and out of lanes or following too closely, speeding is one of the riskiest behaviors that drivers engage in regularly.
Speeding is a top contributor to crashes along America’s roadways and killed 12,151 people in 2022, according to the latest available data from the National Highway Traffic Safety Association (NHTSA).
If you get a speeding ticket, be prepared to pay fees and higher auto insurance rates. Learn more about how one or more speeding tickets impact your car insurance premiums, which states see the sharpest spikes and insurers that offer the cheapest rates.
- One speeding ticket for driving 11-29 mph over the limit could increase your rate by an average of 21%-136% at your next renewal.
- Hawaii insurance rates could go up 136% for driving 11-29 mph over the limit.
- You can expect to pay anywhere from $327 to $2,061 more per year if you were cited for speeding 11-29 mph over the limit.
Do speeding tickets affect insurance costs?
Speeding tickets negatively impact your car insurance premiums. Insurers determine your driving risk based on personal factors, including moving violations. How much more you’ll pay for car insurance after a speeding ticket depends on factors such as how fast you were driving, your state, your insurance company and your driving record.
Typically, people ask if a speeding ticket affects their insurance. But they should be asking: How much will a speeding ticket increase my insurance rates? The reality is that drivers should expect to see higher costs after a speeding ticket, even if the exact increase varies.
You can expect to pay anywhere from $327 to $2,061 more per year if you were cited for speeding 11–29 mph over the limit, according to CarInsurance.com data.
When will a speeding ticket show up on insurance?
Generally, a speeding ticket won’t immediately impact your insurance costs. After all, most drivers choose a policy on an annual or semi-annual basis. But expect higher costs the next time you shop for an insurance policy.
For example, you might have recently paid for car insurance coverage for a full year. During that year’s term, your insurance costs won’t change. But when you renew your policy, you’ll likely face significantly higher insurance costs.
How much does a speeding ticket raise insurance in every state?
Car insurance costs vary from state to state, which means how much a speeding ticket increases your insurance premiums varies based on where you live.
These are the states where speeding 11–29 mph over the limit will result in the highest increases in premiums — from Hawaii with an increase of $2,061 at No. 1 to Montana with an increase of $998 at No. 10.
Here are the states listed in order for speeding ticket increases for 11-29 mph over the limit:
- Hawaii
- New Jersey
- Colorado
- North Carolina
- Washington
- Michigan
- California
- Ohio
- Rhode Island
- Montana
Below you’ll see the increase in rates by state, both as a percentage hike and the dollar amount, on average.
| State | Rates before speeding | 11 to 29 mph over limit | $ increase | % increase |
|---|---|---|---|---|
| Alaska | $1,676 | $2,305 | $629 | 38% |
| Alabama | $1,860 | $2,466 | $606 | 33% |
| Arkansas | $1,957 | $2,733 | $776 | 40% |
| Arizona | $1,812 | $2,489 | $677 | 37% |
| California | $2,416 | $3,562 | $1,146 | 47% |
| Colorado | $2,337 | $3,545 | $1,208 | 52% |
| Connecticut | $1,725 | $2,379 | $654 | 38% |
| Washington, D.C. | $2,157 | $2,764 | $607 | 28% |
| Delaware | $2,063 | $2,732 | $669 | 32% |
| Florida | $2,694 | $3,509 | $815 | 30% |
| Georgia | $1,970 | $2,609 | $639 | 32% |
| Hawaii | $1,517 | $3,578 | $2,061 | 136% |
| Iowa | $1,630 | $2,211 | $581 | 36% |
| Idaho | $1,428 | $1,784 | $356 | 25% |
| Illinois | $1,532 | $1,995 | $463 | 30% |
| Indiana | $1,515 | $2,145 | $630 | 42% |
| Kansas | $1,900 | $2,343 | $443 | 23% |
| Kentucky | $2,228 | $3,052 | $824 | 37% |
| Louisiana | $2,883 | $3,756 | $873 | 30% |
| Massachusetts | $1,726 | $2,269 | $543 | 31% |
| Maryland | $1,746 | $2,322 | $576 | 33% |
| Maine | $1,175 | $1,541 | $366 | 31% |
| Michigan | $2,352 | $3,477 | $1,125 | 48% |
| Minnesota | $1,911 | $2,690 | $779 | 41% |
| Missouri | $1,982 | $2,453 | $471 | 24% |
| Mississippi | $2,008 | $2,567 | $559 | 28% |
| Montana | $2,193 | $3,191 | $998 | 45% |
| North Carolina | $1,741 | $2,632 | $891 | 51% |
| North Dakota | $1,665 | $2,014 | $349 | 21% |
| Nebraska | $1,902 | $2,397 | $495 | 26% |
| New Hampshire | $1,265 | $1,737 | $472 | 37% |
| New Jersey | $1,902 | $3,048 | $1,146 | 60% |
| New Mexico | $2,049 | $2,599 | $550 | 27% |
| Nevada | $2,060 | $2,767 | $707 | 34% |
| New York | $1,870 | $2,355 | $485 | 26% |
| Ohio | $1,417 | $2,069 | $652 | 46% |
| Oklahoma | $2,138 | $2,743 | $605 | 28% |
| Oregon | $1,678 | $2,253 | $575 | 34% |
| Pennsylvania | $1,872 | $2,290 | $418 | 22% |
| Rhode Island | $2,061 | $3,006 | $945 | 46% |
| South Carolina | $2,009 | $2,583 | $574 | 29% |
| South Dakota | $2,280 | $2,748 | $468 | 21% |
| Tennessee | $1,677 | $2,264 | $587 | 35% |
| Texas | $2,043 | $2,841 | $798 | 39% |
| Utah | $1,825 | $2,370 | $545 | 30% |
| Virginia | $1,469 | $2,054 | $585 | 40% |
| Vermont | $1,319 | $1,646 | $327 | 25% |
| Washington | $1,608 | $2,400 | $792 | 49% |
| Wisconsin | $1,664 | $2,182 | $518 | 31% |
| West Virginia | $2,005 | $2,770 | $765 | 38% |
| Wyoming | $1,758 | $2,345 | $587 | 33% |
Cheapest car insurance company for speeding tickets
After receiving a speeding ticket, shopping around for the cheapest car insurance rates may be a good idea. While car insurance rates are likely to increase after a speeding ticket, how much it goes up depends upon the state you reside in and your insurer.
The exact increase you see for speeding will depend on your state’s laws, how fast you were driving, your driving record and your insurance company. In part, car insurance companies treat traffic tickets differently — they each assess risk using their own formula. This means how much your insurance goes up after a speeding ticket with Progressive (33%) will look different than if your insurer is Geico (79%).
The data table below shows how much rates increase, on average, among six top insurers for a ticket speeding 11-29 miles over the limit, according to CarInsurance.com’s data. While State Farm is the most affordable at a 20% increase, Geico is the most expensive at 79%.
| Company | Rates before speeding | 11 to 29 mph over limit | $ increase | % increase |
|---|---|---|---|---|
| Allstate | $2,509 | $3,128 | $619 | 25% |
| Farmers | $2,387 | $3,259 | $872 | 37% |
| Geico | $1,763 | $3,162 | $1,399 | 79% |
| Nationwide | $1,548 | $2,161 | $613 | 40% |
| Progressive | $1,998 | $2,657 | $659 | 33% |
| State Farm | $1,984 | $2,386 | $402 | 20% |
| Travelers | $1,606 | $2,488 | $882 | 55% |
| USAA* | $1,381 | $1,685 | $304 | 22% |
Note: *USAA is only available to military community members and their families.
How much does insurance go up after a ticket for a teenager?
Teen drivers pay significantly higher rates for car insurance than their older counterparts. After a speeding ticket, teenagers often face more significant rate spikes than older drivers.
After receiving a speeding ticket for 11 to 29 MPH over the limit, teen drivers can expect an increase between 2% and 634%. But, in general, expect a hike of at least 50% for most teen speeders.
The table below highlights the average premium increase for teen drivers who receive a speeding ticket for going 11-29 mph over the limit across different states and insurance companies.
| State | Company | Rates before speeding | 11 to 29 mph over limit | $ increase | % increase |
|---|---|---|---|---|---|
| Alaska | Allstate | $5,481 | $6,546 | $1,065 | 19% |
| Alaska | Geico | $4,013 | $7,185 | $3,172 | 79% |
| Alaska | Progressive | $6,603 | $7,256 | $653 | 10% |
| Alaska | State Farm | $4,826 | $5,158 | $332 | 7% |
| Alaska | USAA | $2,968 | $3,419 | $451 | 15% |
| Alabama | Allstate | $6,867 | $7,837 | $970 | 14% |
| Alabama | Auto-Owners | $5,409 | $7,272 | $1,863 | 34% |
| Alabama | Farmers | $10,763 | $15,268 | $4,505 | 42% |
| Alabama | Geico | $3,790 | $8,651 | $4,861 | 128% |
| Alabama | Nationwide | $4,925 | $5,827 | $902 | 18% |
| Alabama | Progressive | $10,835 | $11,689 | $854 | 8% |
| Alabama | State Farm | $4,637 | $5,079 | $442 | 10% |
| Alabama | Travelers | $3,828 | $4,852 | $1,024 | 27% |
| Alabama | USAA | $3,370 | $3,598 | $228 | 7% |
| Arkansas | Allstate | $10,693 | $12,904 | $2,211 | 21% |
| Arkansas | Farmers | $8,986 | $13,739 | $4,753 | 53% |
| Arkansas | Geico | $5,149 | $9,100 | $3,951 | 77% |
| Arkansas | Nationwide | $5,294 | $5,809 | $515 | 10% |
| Arkansas | Progressive | $11,262 | $12,467 | $1,205 | 11% |
| Arkansas | State Farm | $5,408 | $5,817 | $409 | 8% |
| Arkansas | Travelers | $3,408 | $5,416 | $2,008 | 59% |
| Arkansas | USAA | $3,064 | $3,410 | $346 | 11% |
| Arizona | Allstate | $7,477 | $8,345 | $868 | 12% |
| Arizona | Auto-Owners | $4,137 | $8,121 | $3,984 | 96% |
| Arizona | CSAA Insurance (AAA) | $11,644 | $14,643 | $2,999 | 26% |
| Arizona | Farmers | $10,089 | $13,939 | $3,850 | 38% |
| Arizona | Geico | $3,027 | $5,715 | $2,688 | 89% |
| Arizona | Nationwide | $6,315 | $6,907 | $592 | 9% |
| Arizona | Progressive | $8,622 | $9,744 | $1,122 | 13% |
| Arizona | State Farm | $6,193 | $6,642 | $449 | 7% |
| Arizona | Travelers | $4,178 | $6,166 | $1,988 | 48% |
| Arizona | USAA | $5,819 | $7,712 | $1,893 | 33% |
| California | Allstate | $6,198 | $7,497 | $1,299 | 21% |
| California | Auto Club Enterprises (AAA) | $6,286 | $8,516 | $2,230 | 35% |
| California | CSAA Insurance (AAA) | $8,279 | $12,196 | $3,917 | 47% |
| California | Farmers | $7,021 | $9,282 | $2,261 | 32% |
| California | Geico | $4,969 | $5,693 | $724 | 15% |
| California | Mercury Insurance | $5,073 | $6,705 | $1,632 | 32% |
| California | Nationwide | $9,078 | $13,261 | $4,183 | 46% |
| California | Progressive | $6,878 | $8,929 | $2,051 | 30% |
| California | State Farm | $4,948 | $7,492 | $2,544 | 51% |
| California | Travelers | $5,144 | $7,575 | $2,431 | 47% |
| California | USAA | $4,140 | $5,075 | $935 | 23% |
| Colorado | Allstate | $5,479 | $6,136 | $657 | 12% |
| Colorado | Auto-Owners | $6,012 | $7,789 | $1,777 | 30% |
| Colorado | Farmers | $12,053 | $20,611 | $8,558 | 71% |
| Colorado | Geico | $4,309 | $8,621 | $4,312 | 100% |
| Colorado | Kemper | $5,379 | $7,802 | $2,423 | 45% |
| Colorado | Progressive | $11,673 | $12,730 | $1,057 | 9% |
| Colorado | State Farm | $4,784 | $5,178 | $394 | 8% |
| Colorado | USAA | $4,236 | $4,713 | $477 | 11% |
| Connecticut | Amica | $7,913 | $10,990 | $3,077 | 39% |
| Connecticut | Farmers | $10,095 | $14,599 | $4,504 | 45% |
| Connecticut | Geico | $4,450 | $5,742 | $1,292 | 29% |
| Connecticut | Kemper | $5,033 | $7,633 | $2,600 | 52% |
| Connecticut | Progressive | $7,165 | $7,932 | $767 | 11% |
| Connecticut | State Farm | $4,817 | $5,201 | $384 | 8% |
| Connecticut | The Hanover | $10,487 | $12,909 | $2,422 | 23% |
| Connecticut | USAA | $1,770 | $1,866 | $96 | 5% |
| Washington, D.C. | Allstate | $10,102 | $12,007 | $1,905 | 19% |
| Washington, D.C. | Chubb | $6,688 | $7,166 | $478 | 7% |
| Washington, D.C. | Erie Insurance | $3,075 | $3,766 | $691 | 22% |
| Washington, D.C. | Geico | $4,321 | $9,852 | $5,531 | 128% |
| Washington, D.C. | Progressive | $12,190 | $13,184 | $994 | 8% |
| Washington, D.C. | State Farm | $6,935 | $7,496 | $561 | 8% |
| Washington, D.C. | USAA | $3,305 | $3,739 | $434 | 13% |
| Delaware | Allstate | $11,130 | $12,770 | $1,640 | 15% |
| Delaware | American Family | $7,887 | $8,596 | $709 | 9% |
| Delaware | Geico | $4,465 | $7,403 | $2,938 | 66% |
| Delaware | Nationwide | $5,065 | $5,452 | $387 | 8% |
| Delaware | Progressive | $9,775 | $11,443 | $1,668 | 17% |
| Delaware | Sentry Insurance | $11,822 | $16,453 | $4,631 | 39% |
| Delaware | State Farm | $6,015 | $6,626 | $611 | 10% |
| Delaware | Travelers | $9,842 | $15,286 | $5,444 | 55% |
| Delaware | USAA | $4,351 | $4,974 | $623 | 14% |
| Florida | Farmers | $12,152 | $13,740 | $1,588 | 13% |
| Florida | Geico | $5,948 | $7,624 | $1,676 | 28% |
| Florida | Mercury Insurance | $11,432 | $12,415 | $983 | 9% |
| Florida | National General | $7,513 | $9,167 | $1,654 | 22% |
| Florida | Nationwide | $7,457 | $7,962 | $505 | 7% |
| Florida | Progressive | $7,201 | $7,897 | $696 | 10% |
| Florida | State Farm | $5,190 | $5,650 | $460 | 9% |
| Florida | Travelers | $6,670 | $10,104 | $3,434 | 51% |
| Georgia | Allstate | $6,412 | $7,497 | $1,085 | 17% |
| Georgia | Auto-Owners | $3,903 | $5,287 | $1,384 | 35% |
| Georgia | Country Financial | $4,274 | $5,685 | $1,411 | 33% |
| Georgia | Geico | $5,677 | $7,263 | $1,586 | 28% |
| Georgia | Mercury Insurance | $9,896 | $10,914 | $1,018 | 10% |
| Georgia | Progressive | $8,031 | $8,970 | $939 | 12% |
| Georgia | State Farm | $6,321 | $6,815 | $494 | 8% |
| Georgia | USAA | $3,922 | $4,493 | $571 | 15% |
| Hawaii | Allstate | $1,882 | $2,625 | $743 | 39% |
| Hawaii | Farmers | $1,495 | $1,808 | $313 | 21% |
| Hawaii | Island Insurance | $1,771 | $12,998 | $11,227 | 634% |
| Hawaii | Progressive | $1,865 | $2,354 | $489 | 26% |
| Hawaii | State Farm | $1,938 | $2,123 | $185 | 10% |
| Hawaii | USAA | $1,115 | $1,168 | $53 | 5% |
| Iowa | Allstate | $5,661 | $6,367 | $706 | 12% |
| Iowa | Auto-Owners | $3,454 | $6,500 | $3,046 | 88% |
| Iowa | Geico | $4,306 | $7,118 | $2,812 | 65% |
| Iowa | Progressive | $4,146 | $4,634 | $488 | 12% |
| Iowa | State Farm | $3,170 | $3,438 | $268 | 8% |
| Iowa | Travelers | $3,233 | $4,634 | $1,401 | 43% |
| Iowa | USAA | $2,730 | $3,449 | $719 | 26% |
| Idaho | Allstate | $7,140 | $8,526 | $1,386 | 19% |
| Idaho | Auto-Owners | $2,522 | $3,967 | $1,445 | 57% |
| Idaho | Farmers | $7,667 | $10,257 | $2,590 | 34% |
| Idaho | Geico | $3,575 | $4,394 | $819 | 23% |
| Idaho | Nationwide | $5,001 | $5,487 | $486 | 10% |
| Idaho | State Farm | $3,078 | $3,339 | $261 | 8% |
| Idaho | Travelers | $3,283 | $4,742 | $1,459 | 44% |
| Idaho | USAA | $3,830 | $5,647 | $1,817 | 47% |
| Illinois | Allstate | $6,893 | $9,327 | $2,434 | 35% |
| Illinois | Auto Club Group – ACG (AAA) | $3,002 | $3,751 | $749 | 25% |
| Illinois | Auto-Owners | $3,386 | $4,581 | $1,195 | 35% |
| Illinois | Erie Insurance | $3,105 | $3,621 | $516 | 17% |
| Illinois | Geico | $3,686 | $6,745 | $3,059 | 83% |
| Illinois | Progressive | $4,540 | $5,398 | $858 | 19% |
| Illinois | State Farm | $4,413 | $4,743 | $330 | 7% |
| Illinois | Travelers | $3,199 | $4,009 | $810 | 25% |
| Illinois | USAA | $5,715 | $8,162 | $2,447 | 43% |
| Indiana | Allstate | $4,801 | $6,433 | $1,632 | 34% |
| Indiana | Auto-Owners | $2,998 | $5,283 | $2,285 | 76% |
| Indiana | Farmers | $7,411 | $10,576 | $3,165 | 43% |
| Indiana | Geico | $2,908 | $7,322 | $4,414 | 152% |
| Indiana | Nationwide | $4,567 | $5,038 | $471 | 10% |
| Indiana | Progressive | $4,355 | $6,208 | $1,853 | 43% |
| Indiana | State Farm | $4,408 | $4,806 | $398 | 9% |
| Indiana | Travelers | $3,640 | $5,209 | $1,569 | 43% |
| Indiana | USAA | $1,691 | $2,169 | $478 | 28% |
| Kansas | Allstate | $10,366 | $11,822 | $1,456 | 14% |
| Kansas | Farmers | $6,337 | $7,160 | $823 | 13% |
| Kansas | Geico | $5,025 | $6,176 | $1,151 | 23% |
| Kansas | Nationwide | $3,774 | $4,269 | $495 | 13% |
| Kansas | Progressive | $8,110 | $8,784 | $674 | 8% |
| Kansas | State Farm | $4,793 | $5,080 | $287 | 6% |
| Kansas | Travelers | $3,694 | $4,686 | $992 | 27% |
| Kansas | USAA | $3,537 | $4,428 | $891 | 25% |
| Kentucky | Allstate | $10,378 | $12,902 | $2,524 | 24% |
| Kentucky | Auto-Owners | $4,937 | $6,779 | $1,842 | 37% |
| Kentucky | Farmers | $13,216 | $18,393 | $5,177 | 39% |
| Kentucky | Geico | $5,830 | $7,907 | $2,077 | 36% |
| Kentucky | Progressive | $10,498 | $11,459 | $961 | 9% |
| Kentucky | State Farm | $7,107 | $7,641 | $534 | 8% |
| Kentucky | Travelers | $4,771 | $7,108 | $2,337 | 49% |
| Kentucky | USAA | $4,775 | $6,218 | $1,443 | 30% |
| Louisiana | Auto Club Enterprises (AAA) | $10,378 | $14,965 | $4,587 | 44% |
| Louisiana | Farmers | $10,815 | $14,854 | $4,039 | 37% |
| Louisiana | Geico | $10,627 | $20,575 | $9,948 | 94% |
| Louisiana | Progressive | $12,297 | $13,177 | $880 | 7% |
| Louisiana | Safeway Insurance | $8,340 | $8,501 | $161 | 2% |
| Louisiana | Southern Farm Bureau | $3,967 | $4,532 | $565 | 14% |
| Louisiana | State Farm | $9,125 | $9,845 | $720 | 8% |
| Louisiana | USAA | $4,188 | $5,479 | $1,291 | 31% |
| Massachusetts | Farmers | $7,163 | $7,486 | $323 | 5% |
| Massachusetts | Progressive | $6,465 | $7,241 | $776 | 12% |
| Massachusetts | Travelers | $4,444 | $6,199 | $1,755 | 39% |
| Massachusetts | USAA | $3,634 | $4,002 | $368 | 10% |
| Maryland | Allstate | $9,802 | $11,299 | $1,497 | 15% |
| Maryland | Erie Insurance | $3,711 | $4,523 | $812 | 22% |
| Maryland | Geico | $4,450 | $6,087 | $1,637 | 37% |
| Maryland | Kemper | $4,682 | $6,872 | $2,190 | 47% |
| Maryland | Nationwide | $4,728 | $5,288 | $560 | 12% |
| Maryland | Progressive | $5,033 | $5,493 | $460 | 9% |
| Maryland | State Farm | $6,080 | $6,563 | $483 | 8% |
| Maryland | Travelers | $4,340 | $6,728 | $2,388 | 55% |
| Maryland | USAA | $3,097 | $3,561 | $464 | 15% |
| Maine | Allstate | $2,729 | $3,098 | $369 | 14% |
| Maine | Auto-Owners | $1,634 | $1,881 | $247 | 15% |
| Maine | Farmers | $8,077 | $11,394 | $3,317 | 41% |
| Maine | Frankenmuth Insurance | $4,444 | $5,572 | $1,128 | 25% |
| Maine | Geico | $3,678 | $4,644 | $966 | 26% |
| Maine | Progressive | $5,882 | $6,533 | $651 | 11% |
| Maine | State Farm | $3,517 | $3,814 | $297 | 8% |
| Maine | Travelers | $2,266 | $3,385 | $1,119 | 49% |
| Maine | USAA | $2,318 | $2,486 | $168 | 7% |
| Michigan | Auto Club Group – ACG (AAA) | $6,061 | $7,940 | $1,879 | 31% |
| Michigan | Auto-Owners | $3,610 | $5,635 | $2,025 | 56% |
| Michigan | Geico | $3,467 | $7,465 | $3,998 | 115% |
| Michigan | Progressive | $8,442 | $8,830 | $388 | 5% |
| Michigan | State Farm | $9,735 | $16,573 | $6,838 | 70% |
| Michigan | USAA | $3,999 | $5,184 | $1,185 | 30% |
| Minnesota | Allstate | $6,103 | $8,796 | $2,693 | 44% |
| Minnesota | Auto Club Group – ACG (AAA) | $5,376 | $8,376 | $3,000 | 56% |
| Minnesota | Auto-Owners | $3,438 | $4,600 | $1,162 | 34% |
| Minnesota | Geico | $6,874 | $9,765 | $2,891 | 42% |
| Minnesota | Nationwide | $4,091 | $4,359 | $268 | 7% |
| Minnesota | State Farm | $3,664 | $4,021 | $357 | 10% |
| Minnesota | Travelers | $3,792 | $5,431 | $1,639 | 43% |
| Minnesota | USAA | $3,405 | $3,861 | $456 | 13% |
| Missouri | Allstate | $6,183 | $7,348 | $1,165 | 19% |
| Missouri | Auto Club Enterprises (AAA) | $8,252 | $13,322 | $5,070 | 61% |
| Missouri | Geico | $7,740 | $8,698 | $958 | 12% |
| Missouri | Nationwide | $4,452 | $5,126 | $674 | 15% |
| Missouri | Progressive | $6,795 | $7,673 | $878 | 13% |
| Missouri | State Farm | $5,031 | $5,514 | $483 | 10% |
| Missouri | Travelers | $3,801 | $5,281 | $1,480 | 39% |
| Missouri | USAA | $2,584 | $2,930 | $346 | 13% |
| Mississippi | Allstate | $8,540 | $9,739 | $1,199 | 14% |
| Mississippi | Geico | $6,813 | $8,375 | $1,562 | 23% |
| Mississippi | Nationwide | $3,849 | $4,261 | $412 | 11% |
| Mississippi | Progressive | $10,434 | $11,532 | $1,098 | 11% |
| Mississippi | Shelter Insurance | $6,370 | $7,759 | $1,389 | 22% |
| Mississippi | State Farm | $4,488 | $4,897 | $409 | 9% |
| Mississippi | Travelers | $4,274 | $6,282 | $2,008 | 47% |
| Mississippi | USAA | $3,279 | $3,771 | $492 | 15% |
| Montana | Allstate | $8,880 | $10,215 | $1,335 | 15% |
| Montana | Farmers | $8,771 | $14,906 | $6,135 | 70% |
| Montana | Geico | $7,284 | $8,952 | $1,668 | 23% |
| Montana | Kemper | $8,149 | $9,411 | $1,262 | 15% |
| Montana | Progressive | $6,450 | $7,608 | $1,158 | 18% |
| Montana | State Farm | $4,557 | $4,854 | $297 | 7% |
| Montana | USAA | $2,894 | $3,285 | $391 | 14% |
| North Carolina | Allstate | $7,293 | $9,630 | $2,337 | 32% |
| North Carolina | Erie Insurance | $2,199 | $2,976 | $777 | 35% |
| North Carolina | Farmers | $3,966 | $4,847 | $881 | 22% |
| North Carolina | Geico | $3,648 | $3,929 | $281 | 8% |
| North Carolina | Nationwide | $3,168 | $3,863 | $695 | 22% |
| North Carolina | North Carolina Farm Bureau | $2,594 | $3,191 | $597 | 23% |
| North Carolina | Progressive | $3,966 | $4,821 | $855 | 22% |
| North Carolina | State Farm | $2,462 | $3,100 | $638 | 26% |
| North Dakota | Allstate | $8,699 | $10,156 | $1,457 | 17% |
| North Dakota | American Family | $2,414 | $3,235 | $821 | 34% |
| North Dakota | Auto-Owners | $3,789 | $4,944 | $1,155 | 30% |
| North Dakota | Farmers | $7,785 | $10,992 | $3,207 | 41% |
| North Dakota | Geico | $6,724 | $8,690 | $1,966 | 29% |
| North Dakota | Nationwide | $3,347 | $3,729 | $382 | 11% |
| North Dakota | Progressive | $6,980 | $7,397 | $417 | 6% |
| North Dakota | State Farm | $4,383 | $4,691 | $308 | 7% |
| North Dakota | USAA | $3,134 | $3,950 | $816 | 26% |
| Nebraska | Allstate | $6,061 | $6,853 | $792 | 13% |
| Nebraska | Auto-Owners | $2,991 | $4,835 | $1,844 | 62% |
| Nebraska | Geico | $5,975 | $7,299 | $1,324 | 22% |
| Nebraska | Nationwide | $3,766 | $4,147 | $381 | 10% |
| Nebraska | Progressive | $8,340 | $9,946 | $1,606 | 19% |
| Nebraska | State Farm | $5,640 | $6,155 | $515 | 9% |
| Nebraska | USAA | $3,607 | $4,109 | $502 | 14% |
| New Hampshire | Allstate | $4,290 | $5,039 | $749 | 17% |
| New Hampshire | Auto-Owners | $1,775 | $2,042 | $267 | 15% |
| New Hampshire | Farmers | $7,856 | $12,626 | $4,770 | 61% |
| New Hampshire | Geico | $3,541 | $7,954 | $4,413 | 125% |
| New Hampshire | Nationwide | $4,384 | $4,837 | $453 | 10% |
| New Hampshire | Progressive | $6,477 | $7,074 | $597 | 9% |
| New Hampshire | USAA | $3,320 | $3,870 | $550 | 17% |
| New Jersey | Allstate | $6,892 | $10,056 | $3,164 | 46% |
| New Jersey | Farmers | $9,664 | $19,996 | $10,332 | 107% |
| New Jersey | NJM | $3,807 | $4,751 | $944 | 25% |
| New Jersey | Plymouth Rock Assurance | $6,195 | $8,070 | $1,875 | 30% |
| New Jersey | Progressive | $10,556 | $11,412 | $856 | 8% |
| New Jersey | State Farm | $5,763 | $11,068 | $5,305 | 92% |
| New Jersey | Travelers | $3,815 | $4,873 | $1,058 | 28% |
| New Mexico | Allstate | $8,170 | $9,317 | $1,147 | 14% |
| New Mexico | Farmers | $11,158 | $13,250 | $2,092 | 19% |
| New Mexico | Geico | $3,692 | $7,643 | $3,951 | 107% |
| New Mexico | Iowa Farm Bureau | $4,493 | $5,156 | $663 | 15% |
| New Mexico | Kemper | $11,587 | $12,294 | $707 | 6% |
| New Mexico | Nationwide | $5,493 | $6,165 | $672 | 12% |
| New Mexico | Progressive | $5,031 | $5,576 | $545 | 11% |
| New Mexico | State Farm | $4,274 | $4,638 | $364 | 9% |
| New Mexico | USAA | $2,468 | $3,321 | $853 | 35% |
| Nevada | Allstate | $9,061 | $10,365 | $1,304 | 14% |
| Nevada | American Family | $5,497 | $6,893 | $1,396 | 25% |
| Nevada | CSAA Insurance (AAA) | $11,013 | $14,820 | $3,807 | 35% |
| Nevada | Farmers | $9,868 | $12,660 | $2,792 | 28% |
| Nevada | Geico | $4,689 | $10,976 | $6,287 | 134% |
| Nevada | Mercury Insurance | $8,135 | $9,044 | $909 | 11% |
| Nevada | Progressive | $10,716 | $11,944 | $1,228 | 11% |
| Nevada | State Farm | $3,744 | $4,047 | $303 | 8% |
| Nevada | Travelers | $5,928 | $9,044 | $3,116 | 53% |
| Nevada | USAA | $4,896 | $5,312 | $416 | 8% |
| New York | Allstate | $6,074 | $7,959 | $1,885 | 31% |
| New York | Erie Insurance | $4,797 | $6,051 | $1,254 | 26% |
| New York | Geico | $4,626 | $6,427 | $1,801 | 39% |
| New York | Progressive | $2,991 | $3,155 | $164 | 5% |
| New York | State Farm | $5,712 | $6,299 | $587 | 10% |
| New York | Travelers | $6,367 | $8,106 | $1,739 | 27% |
| Ohio | Allstate | $5,121 | $6,601 | $1,480 | 29% |
| Ohio | Auto-Owners | $2,865 | $3,913 | $1,048 | 37% |
| Ohio | Erie Insurance | $2,906 | $3,328 | $422 | 15% |
| Ohio | Farmers | $8,015 | $9,385 | $1,370 | 17% |
| Ohio | Geico | $2,838 | $6,494 | $3,656 | 129% |
| Ohio | Progressive | $7,155 | $8,136 | $981 | 14% |
| Ohio | Travelers | $3,888 | $5,707 | $1,819 | 47% |
| Ohio | USAA | $2,358 | $3,016 | $658 | 28% |
| Oklahoma | Allstate | $9,282 | $10,634 | $1,352 | 15% |
| Oklahoma | Farmers | $10,495 | $12,844 | $2,349 | 22% |
| Oklahoma | Geico | $5,522 | $12,117 | $6,595 | 119% |
| Oklahoma | Mercury Insurance | $9,408 | $10,368 | $960 | 10% |
| Oklahoma | Oklahoma Farm Bureau | $7,873 | $9,261 | $1,388 | 18% |
| Oklahoma | Progressive | $5,960 | $6,514 | $554 | 9% |
| Oklahoma | Shelter Insurance | $5,647 | $6,513 | $866 | 15% |
| Oklahoma | State Farm | $4,333 | $4,622 | $289 | 7% |
| Oklahoma | USAA | $3,495 | $4,628 | $1,133 | 32% |
| Oregon | Allstate | $10,544 | $13,176 | $2,632 | 25% |
| Oregon | Farmers | $8,995 | $11,997 | $3,002 | 33% |
| Oregon | Geico | $4,408 | $9,289 | $4,881 | 111% |
| Oregon | Nationwide | $5,476 | $6,008 | $532 | 10% |
| Oregon | Progressive | $8,727 | $9,855 | $1,128 | 13% |
| Oregon | State Farm | $3,925 | $4,230 | $305 | 8% |
| Oregon | Travelers | $3,778 | $5,341 | $1,563 | 41% |
| Oregon | USAA | $3,207 | $4,176 | $969 | 30% |
| Pennsylvania | Erie Insurance | $4,041 | $4,823 | $782 | 19% |
| Pennsylvania | Geico | $4,295 | $5,971 | $1,676 | 39% |
| Pennsylvania | Nationwide | $4,445 | $4,981 | $536 | 12% |
| Pennsylvania | State Farm | $7,313 | $7,858 | $545 | 7% |
| Pennsylvania | Travelers | $2,350 | $3,037 | $687 | 29% |
| Pennsylvania | USAA | $4,463 | $5,012 | $549 | 12% |
| Rhode Island | Allstate | $8,046 | $8,804 | $758 | 9% |
| Rhode Island | American Family | $5,414 | $8,539 | $3,125 | 58% |
| Rhode Island | Amica | $9,501 | $13,586 | $4,085 | 43% |
| Rhode Island | Farmers | $11,355 | $13,980 | $2,625 | 23% |
| Rhode Island | Geico | $7,311 | $9,619 | $2,308 | 32% |
| Rhode Island | Nationwide | $6,454 | $7,002 | $548 | 8% |
| Rhode Island | Progressive | $8,659 | $9,362 | $703 | 8% |
| Rhode Island | Travelers | $10,172 | $13,301 | $3,129 | 31% |
| Rhode Island | USAA | $5,054 | $5,815 | $761 | 15% |
| South Carolina | Allstate | $6,058 | $8,087 | $2,029 | 33% |
| South Carolina | Auto-Owners | $3,662 | $5,429 | $1,767 | 48% |
| South Carolina | Progressive | $9,184 | $10,177 | $993 | 11% |
| South Carolina | State Farm | $5,288 | $5,778 | $490 | 9% |
| South Carolina | Travelers | $4,865 | $7,219 | $2,354 | 48% |
| South Carolina | USAA | $6,089 | $6,778 | $689 | 11% |
| South Dakota | Allstate | $8,926 | $10,009 | $1,083 | 12% |
| South Dakota | Auto-Owners | $5,855 | $7,252 | $1,397 | 24% |
| South Dakota | Farmers | $7,988 | $9,675 | $1,687 | 21% |
| South Dakota | Geico | $6,158 | $7,569 | $1,411 | 23% |
| South Dakota | Nationwide | $4,390 | $4,970 | $580 | 13% |
| South Dakota | Progressive | $9,751 | $10,266 | $515 | 5% |
| South Dakota | State Farm | $4,689 | $4,958 | $269 | 6% |
| South Dakota | USAA | $3,988 | $5,668 | $1,680 | 42% |
| Tennessee | Allstate | $11,010 | $12,665 | $1,655 | 15% |
| Tennessee | Erie Insurance | $3,582 | $4,082 | $500 | 14% |
| Tennessee | Farmers | $7,006 | $9,607 | $2,601 | 37% |
| Tennessee | Geico | $4,453 | $9,254 | $4,801 | 108% |
| Tennessee | Nationwide | $6,687 | $7,267 | $580 | 9% |
| Tennessee | Progressive | $6,701 | $6,716 | $15 | 0% |
| Tennessee | State Farm | $4,581 | $5,033 | $452 | 10% |
| Tennessee | Travelers | $3,804 | $5,777 | $1,973 | 52% |
| Tennessee | USAA | $3,714 | $4,050 | $336 | 9% |
| Texas | Auto Club Enterprises (AAA) | $6,077 | $8,345 | $2,268 | 37% |
| Texas | Geico | $3,652 | $6,221 | $2,569 | 70% |
| Texas | Nationwide | $5,530 | $6,660 | $1,130 | 20% |
| Texas | Progressive | $11,667 | $12,945 | $1,278 | 11% |
| Texas | USAA | $3,648 | $4,148 | $500 | 14% |
| Utah | Allstate | $7,382 | $8,421 | $1,039 | 14% |
| Utah | Auto-Owners | $3,951 | $5,239 | $1,288 | 33% |
| Utah | Farmers | $11,066 | $14,594 | $3,528 | 32% |
| Utah | Geico | $4,523 | $8,665 | $4,142 | 92% |
| Utah | Nationwide | $4,087 | $4,462 | $375 | 9% |
| Utah | Progressive | $8,402 | $8,964 | $562 | 7% |
| Utah | State Farm | $6,029 | $6,460 | $431 | 7% |
| Utah | USAA | $3,693 | $4,249 | $556 | 15% |
| Virginia | Allstate | $4,501 | $5,927 | $1,426 | 32% |
| Virginia | Auto-Owners | $3,565 | $6,496 | $2,931 | 82% |
| Virginia | Erie Insurance | $2,884 | $3,389 | $505 | 18% |
| Virginia | Geico | $3,312 | $6,988 | $3,676 | 111% |
| Virginia | Progressive | $10,048 | $10,928 | $880 | 9% |
| Virginia | State Farm | $3,935 | $4,270 | $335 | 9% |
| Virginia | Travelers | $3,248 | $4,807 | $1,559 | 48% |
| Virginia | USAA | $3,530 | $3,946 | $416 | 12% |
| Vermont | Allstate | $4,712 | $5,467 | $755 | 16% |
| Vermont | Auto-Owners | $2,107 | $2,422 | $315 | 15% |
| Vermont | Farmers | $10,279 | $11,097 | $818 | 8% |
| Vermont | Geico | $4,219 | $5,186 | $967 | 23% |
| Vermont | Nationwide | $3,004 | $3,279 | $275 | 9% |
| Vermont | Progressive | $2,948 | $3,360 | $412 | 14% |
| Vermont | State Farm | $3,176 | $3,390 | $214 | 7% |
| Vermont | USAA | $2,507 | $2,700 | $193 | 8% |
| Vermont | Vermont Mutual | $4,783 | $5,242 | $459 | 10% |
| Washington | Allstate | $5,886 | $6,651 | $765 | 13% |
| Washington | American Family | $4,059 | $4,969 | $910 | 22% |
| Washington | Farmers | $4,188 | $4,855 | $667 | 16% |
| Washington | Geico | $4,289 | $6,071 | $1,782 | 42% |
| Washington | Nationwide | $5,918 | $6,809 | $891 | 15% |
| Washington | Progressive | $9,092 | $10,490 | $1,398 | 15% |
| Washington | State Farm | $4,520 | $4,964 | $444 | 10% |
| Washington | Travelers | $3,691 | $5,322 | $1,631 | 44% |
| Washington | USAA | $3,440 | $4,086 | $646 | 19% |
| Wisconsin | Allstate | $7,145 | $8,441 | $1,296 | 18% |
| Wisconsin | Erie Insurance | $2,904 | $3,382 | $478 | 16% |
| Wisconsin | Farmers | $7,711 | $9,695 | $1,984 | 26% |
| Wisconsin | Geico | $4,047 | $7,979 | $3,932 | 97% |
| Wisconsin | Nationwide | $4,300 | $4,757 | $457 | 11% |
| Wisconsin | Progressive | $7,935 | $8,462 | $527 | 7% |
| Wisconsin | State Farm | $6,019 | $6,608 | $589 | 10% |
| Wisconsin | Travelers | $2,976 | $4,151 | $1,175 | 39% |
| Wisconsin | USAA | $2,458 | $2,713 | $255 | 10% |
| West Virginia | Allstate | $10,537 | $12,030 | $1,493 | 14% |
| West Virginia | Erie Insurance | $3,583 | $4,153 | $570 | 16% |
| West Virginia | Farmers | $7,926 | $12,652 | $4,726 | 60% |
| West Virginia | Geico | $4,074 | $10,080 | $6,006 | 147% |
| West Virginia | Nationwide | $3,883 | $4,219 | $336 | 9% |
| West Virginia | Progressive | $8,849 | $9,630 | $781 | 9% |
| West Virginia | State Farm | $4,315 | $4,633 | $318 | 7% |
| West Virginia | USAA | $4,306 | $5,439 | $1,133 | 26% |
| Wyoming | Allstate | $8,943 | $10,634 | $1,691 | 19% |
| Wyoming | American National | $2,185 | $2,505 | $320 | 15% |
| Wyoming | Farmers | $3,836 | $4,743 | $907 | 24% |
| Wyoming | Geico | $5,910 | $8,092 | $2,182 | 37% |
| Wyoming | State Farm | $4,164 | $4,504 | $340 | 8% |
| Wyoming | USAA | $3,568 | $3,744 | $176 | 5% |
Note: *USAA is only available to military community members and their families.
What to do if you receive a speeding ticket
Even one speeding ticket will raise your insurance. If you’re curious about how much of an increase you’re going to see, it comes down to the speed differential between the speed limit and what you were driving, as evidenced in the table below:
| Driving record | Avg. annual rates | Avg. monthly rates |
|---|---|---|
| Clean record/base rate | $1,895 | $158 |
| Speeding ticket 1-10 mph over the limit | $2,456 | $205 |
| Speeding ticket 11-29 mph over the limit | $2,614 | $218 |
| Speeding ticket 30+ mph over the limit | $2,812 | $234 |
When will my rate go up? Should I shop for a new policy after a ticket?
If you see an insurance rate increase after getting a speeding ticket, it’s time to shop around for a better rate. Then, when it’s time to renew your policy, you’ll be ready to switch to a cheaper option.
Also, consider taking a defensive driving course, which might save you a bit of money. Discounts might not be applicable after you get a speeding ticket — you’ll lose your good driver discount — but a ticket doesn’t stay on your driving record forever.
And if you’re really in a pinch, consider increasing your deductible. But remember, if you increase your deductible, you want to be sure you have the savings to cover it in case of an accident.
On the other side, you can opt for an accident forgiveness policy, which will be more expensive but will forgive your first accident without a rate increase.
Multiple speeding tickets can double your car insurance premiums
If you get numerous speeding tickets within three years, you may be classified as a high-risk driver and therefore, have to pay much higher rates than if you were cited just once for exceeding the limit.
How to lower your car insurance rates after a speeding ticket
If you want to avoid overpaying for car insurance after a speeding ticket, use the strategies below:
- Take a defensive driver course. Some insurance companies allow you to take an approved driver education course to offset the negative impact of a speeding ticket. Before signing up, confirm your insurance company approves the course.
- Commit to safe driving. Going forward, make an effort to avoid speeding tickets.
- Shop around. Every insurer calculates rates differently. Comparing rates across multiple companies can help you find the best option for your situation.
What are driver’s license points?
When a driver receives a ticket, is involved in an accident or drives under the influence (DUI), some states record these violations as points on their driving record. Typically, the more significant the violation, the higher the points. These can result in license suspension or revocation.
Points are added to your driver’s license every time you get a speeding ticket. The number of points assigned per speeding ticket varies by state and infraction.
Nine states do not currently use a driver’s license point system. They are:
- Hawaii
- Kansas
- Louisiana
- Minnesota
- Mississippi
- Oregon
- Rhode Island
- Washington
- Wyoming
Most insurers don’t determine your rate increases based on the number of points on your driver’s license. Insurance companies are generally more interested in your driving history, including the number and type of violations.
Read about the Insurance Points Vs License Points – How do 3 points affect insurance?
How much will two points affect my insurance?
There is a correlation between driver’s license points and insurance rates. A speeding ticket adds points to your license and increases insurance rates.
Remember, insurance companies determine rate increases based on your driving history, including the number and type of violations, not on the number of points. Though a high number of driver’s license points is indicative of poor driving history, the number of points does not determine a rate increase.
So, whether you earned three, four, or six points on your license, the violations that will increase your rates are based on their nature rather than the assigned points.
How much does four points affect insurance?
Since you receive points for poor driving actions, receiving four points on your license will likely increase your insurance premiums. However, it’s impossible to determine how much of a rate hike you should expect to see.
Frequently asked questions: How do speeding tickets affect your insurance premiums?
Will one speeding ticket affect insurance premiums?
In general, yes, one speeding ticket will affect insurance. But how much will one speeding ticket affect insurance? You should expect an increase of 21%-136% at your next renewal for a ticket going 11-29 mph over the speed limit. However, some insurance companies do not increase insurance rates after one ticket — depending on how fast you are going.
Does a first-time speeding ticket affect the cost of insurance?
In most cases, a first-time speeding ticket will increase your insurance costs. But a handful of insurance companies might offer you a reprieve on a first-time offense — the rates for a speeding ticket 11–29 mph over the speed limit experience the smallest increase at Allstate, USAA, and State Farm.
Will my insurance go up if someone gets a ticket in my car?
“Normally (in most policies), if someone else speeds in your car, your cost does NOT increase, as the ticket will be attributed to the driver,” says Dr. Rob Schumacher, CEO at Feather Insurance.
Dr. Schumacher continues, “In case the ticket is wrongly attributed to you, you should clarify this with the ticket issuing agency. If you have a family plan, then the price can increase if your partner or children are caught speeding.”
Do I have to tell my insurance company about a speeding ticket?
Though you should not be deceitful if asked, you are not required to report a speeding ticket to your insurance company. Keep in mind that before each renewal, your insurance company will check your driving history through your state’s Department of Motor Vehicles (DMV). If a speeding ticket is on your driving record, your insurer will see it.
How do insurance companies find out about speeding tickets?
During your insurance renewal period, the insurer will do a variety of reviews to determine your new rate. One thing they check is your driving record, which is how they would discover speeding tickets or other traffic violations that could warrant an increase in rates.
How long do tickets stay on insurance?
Timelines vary based on the insurance company and state you live in. But, generally, speeding tickets should fall off your driver’s license and insurance costs within three to five years.
The verdict on how much insurance rates go up after a speeding ticket
Car insurance companies use your perceived risk as a driver to determine your insurance rates. Drivers with speeding tickets and other traffic violations are considered higher risk and more likely to file claims.
With most insurers, you should expect your car insurance rates to increase after a speeding ticket at your next renewal. If you live in Hawaii, New Jersey, Colorado or North Carolina, you can expect increases of 50% to 136% after a speeding ticket.
In addition to the rate increase resulting from a speeding ticket, you may also lose safe driving discounts, increasing your rate even more. The speeding ticket will show up for around three years, which means that one lapse in judgment on the road can result in years of increased premiums.
As your renewal approaches, be prepared to shop around. Any insurer who gives you a car insurance quote will know about your speeding ticket, but they may offer a lower rate than your current provider.
Resources & Methodology
Sources
- U.S. Department of Transportation NHTSA. “Risky Driving: Speeding.” Accessed February 2025.
- NOLO. “Driver’s License Point Systems.” Accessed February 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates from up to six major insurers in 34,558 ZIP codes for a 40-year-old driver of a 2021 Honda Accord LX with good credit and full coverage and $500 deductible; increases shown are an average from the base rate in 2024. The editors found the percentage and amount of increase for 11–29 mph over the speed limit.
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