How Can a Speeding Ticket Affect
Your Auto Insurance Rates?

Speeding Car

Speeders beware. You might want to think twice before you go flying down the highway at Mach 1 - unless, of course, you have money to burn.

If you get a speeding ticket, you are likely to get slapped with a hefty fine, points on your license and a possible increase on your auto insurance premium. The exact amount can vary depending on several factors including how much over the speed limit you were going and the state where you were fined. But it doesn't stop there.

Most states have a system where drivers accrue points for various types of driving no-no's, including speeding tickets. And your insurance company has access to that information and its own way of calculating infractions.

While it is difficult to predict how one auto insurance company will treat a certain offense over another, you can be sure that each speeding ticket will be counted against you in one form or another.

In most states, your car insurance rates can remain elevated for up to three years following a violation. But, if you are lucky enough to live in a state where you can get off the hook for a first offense violation by taking a traffic safety course, make sure to give up your Saturday afternoon and do it. Otherwise, you could be paying higher insurance rates for a long time.

While there are a variety of factors that come into play when car insurance companies determine premiums, it really all comes down to how big of a risk it is to insure a person. Drivers who have a history full of at-fault accidents and traffic violations are likely to continue that behavior, and more likely to be filing a claim, compared to those who are never pulled over.

Even if you don't see an increase in your insurance premiums right away, that speeding ticket is still lurking on your driving record and could come back to haunt you at policy renewal time.

Don't want to pay more money to your auto insurance provider? It's easy to prevent that by following the rules and simply slowing down.

It's easy to get a free auto insurance quote and even buy a policy if you like what you see - all online at

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