The average car insurance rate increase after a speeding ticket is about 24-26%, which translates to roughly $380 to $507 more per year on average in the U.S.
. This means if you were paying around $2,000 annually for full coverage before the ticket, you might see an increase of $500 or more when your policy renews
. Several factors influence how much your insurance goes up, including:
- Your prior driving record and whether this is your first speeding offense
- How fast you were driving over the speed limit (e.g., 2-5 mph vs. 10+ mph over)
- The time elapsed since your last moving violation
- The location where the speeding occurred (tickets in school zones or residential areas may have a bigger impact)
The increase can vary by insurer and state, and some companies might not raise rates after a single ticket, especially if it's a first offense
. The rate hike can last for a few years, often around three years, with the biggest increase typically occurring in the first year after the ticket
. In summary, expect about a 25% increase on average, but the exact amount depends on your individual circumstances and insurer policies. Shopping around for quotes after a ticket can help find better rates
