It is essential to anticipate that any speeding ticket or other driving infraction would increase your car insurance rates, but there are times when you may catch a break and if it’s your first offense. In this post, let’s look at how much your auto insurance premiums are likely to increase for typical traffic violations.
How Much Does a Speeding Ticket And Other Traffic Violations Affect Your Car Insurance Rates?
Every violation carries its own severity, and that’s why your insurance rate increases after a speeding ticket or any other traffic violation. For example, a DUI violation is much more severe than a speeding ticket. The rate spike caused by a speeding ticket also depends on how much over the speed limit the ticket clocks them in at.
Here’s how speeding tickets and traffic violations affect insurance rates:
- Speeding tickets up to 15mph over the limit - This can increase your insurance rates by 20%.
- Speeding tickets between 16mph and 29mph over the limit - This can increase your insurance rates by 22%.
- Speeding tickets at least 30mph over the limit - This can increase your insurance rates by 30%.
- Not wearing a seatbelt - This can increase your insurance rates by 3%.
- Driving uninsured - This can increase your insurance rates by 10%.
- Driving without a license - This can increase your insurance rates by 12%.
- Using your phone while driving - This can increase your insurance rates by 16%.
- Not following stop and yield signs - This can increase your insurance rates by 20%.
- Tailgating, turning, and passing violations - This can increase your insurance rates by 20%.
- Texting while driving - This can increase your insurance rates by 23%.
- Racing on the public road - This can increase your rates by 71%. At this point, your rates increase by over $1000.
- First DUI violation - This can increase your insurance rates by 79%. Any more DUIs may result in a license suspension and insurance cancellation.
What is The Average Car Insurance Premium For Speeding Tickets?
You never want to test how much over the speed limit you can go because you can be ticketed for even going five miles over the speed limits. 30 miles and over, as you have seen in the previous sections, is when the violation becomes a major one. That’s about a $427 increase. However, picking out an average car insurance rate for drivers with speeding tickets is difficult because every insurance company prices its policies differently. After a speeding ticket, one provider can be charging you $1,449 in annual premiums, while another one charges $2,239. This highlights the importance of pulling multiple quotes from different providers when shopping for car insurance.
When Does a Speeding Ticket Affect Your Insurance?
The change in insurance rates after a speeding ticket, or any other traffic violation, typically won’t activate until you renew your auto policy.
How Long Does a Speeding Ticket Raise Your Insurance Rates?
This is another factor that depends on your auto insurance provider. A violation like a speeding ticket can stay on your driving record for around three years. So, that’s how long it will be reflected in your auto insurance rates. More major violations like a DUI can stay on your driving record for up to 10 years, even if it’s your first offense. Of course, the change won’t be reflected until your next policy renewal period.
What if The Speeding Ticket is From Out of Town?
If you were in another state and got a traffic violation like a speeding ticket, then it will still show up on your record. When your insurance provider sees it during your policy renewal, it will be reflected in your rates. 45 states signed what is known as The Driver’s License Compact in order to share information. Even those states that aren’t signed up still share information about their drivers. So, if you have your license suspended in one state, it will surely follow you home.
What About Parking Tickets?
The good news is that parking tickets generally won’t have any effect on your auto insurance rates. That is the case for all non-moving violations. This may vary based on your insurer, however.
How to Lower Your Car Insurance Rates After a Speeding Ticket
Each insurance company considers risk in a unique way. As a result, the same offense might have a significantly bigger influence on your rates with one insurance provider than it would with another. After one minor violation, some may not raise your rates, but that may not be the case for other providers. Again, that’s why it’s important to get quotes from multiple providers when you’re shopping for a policy. You may find better rates with someone else. The best you can do with your old provider is avoid any more violations before you become eligible for a discount or your rates reduce.
Here are some other things you can do to lower your rates after a speeding ticket or traffic violation:
- Raise your deductible - Paying a higher deductible in the event of a claim is a good way to lower your premiums. The two are inversely related, so if one is higher than the other is lower -take advantage of that.
- Develop stronger credit - Your insurance provider may have looked at your credit score to gauge your premiums. Not being in debt and making your payments on time is a great way to improve your credit score and, in turn, your insurance premiums.
- Drop unnecessary coverage - This can especially be the case if you have an older car. Having full coverage on a car that is over 10 years old may not be worth it, given its age and current value.
- Check what discounts you qualify for - See what you can do to qualify for discounts your insurance provider offers -like completing a defensive driving course.
Can You Keep Speeding Tickets From Affecting Your Insurance?
If the speeding ticket you received is genuine, it’s all but certain that it will remain on your driving record. The ticket can be contested in court if it was given in error or you believe it is faulty. Even if your ticket isn’t thrown out, you may be able to have the points added to your license deducted. Of course, a speeding ticket is 100% avoidable. A good place to start is to drive within the speed limits.
Even if you have a driving record with some blemishes, you still need auto insurance, and that’s where Insurance Navy can help. Call 888-949-6289 or request an SR-22 quote online today. Quotes are offered at no cost to you. Need further assistance? Stop in at one of our conveniently-located storefronts.