Can a Speeding Ticket Raise Your Auto Insurance?

Wondering if that speeding ticket will raise your auto insurance premium?

​Learn how it impacts your rates, how long it stays on your record, and what you can do about it.

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⚠️ The Short Answer: Yes, It Can—and Often Does
Getting pulled over for speeding is more than just a temporary inconvenience. A single ticket can stay on your driving record for 3 to 5 years and could lead to a significant increase in your auto insurance premium—especially if it's not your first offense.
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According to The Zebra’s 2024 State of Auto Insurance Report, the average premium increase after a speeding ticket is $354/year nationwide. That’s an 18% jump—just for one violation.

🧾 How Speeding Affects Insurance Rates
Carriers see speeding as an indicator of risky behavior. The faster you were going and the more frequent your violations, the higher the risk—both for accidents and for filing future claims.
Factors that affect how much your rates increase:

• How fast you were going over the limit
• Where the violation occurred (school zones and construction areas carry stiffer penalties)
• Whether it’s your first offense or part of a pattern
• Your overall driving history
• State regulations (TX, KS, and MO all vary)

📍 State Comparisons: TX, KS, and MO

• Texas: A speeding ticket can raise rates by 15–20%, depending on carrier and history.
• Kansas: Drivers may see smaller increases after a single violation but repeated offenses trigger larger penalties.
• Missouri: Known for sharp increases on second and third violations; multiple tickets in 3 years may disqualify you from preferred rates.

💵 Average Rate Hikes by Speed (National Averages)
Speed Over LimitAvg. Rate Increase
​1–10 mph over11%
11–15 mph over15%
16–20 mph over20%
21+ mph over25–30%+
Source: Insurance.com & The Zebra, 2024

✅ What You Can Do After a Ticket

1. Take a Defensive Driving Course
   • In many states, you can complete a course to dismiss the ticket or reduce points.
   • Some insurers will reward this with a safe driver discount even after a violation.
2. Ask About Forgiveness Programs
   • Allstate, Progressive, and Safeco offer some form of accident or violation forgiveness for long-time customers.
3. Consider a Usage-Based Program
   • After a violation, usage-based programs like Drivewise® (Allstate), Snapshot® (Progressive), or RightTrack® (Safeco) can help offset premium increases by tracking and rewarding safer habits.
4. Shop Your Policy
   • Every carrier weighs speeding differently. Corin Insurance compares policies across multiple companies to find the best fit for your current record.

🕒 How Long Does It Stay on Your Record?

• Insurance pricing impact: Typically 3-5 years depending on. the state and carrier sometimes up to 7 years but your rate is impacted less and less the older the violation is.
• Driving record visibility: Up to 5 years depending on state and severity
• License points: Varies; TX and MO use point systems, KS uses tiered violations

🔐 Final Thoughts
​A speeding ticket doesn’t have to ruin your rates forever—but it’s a red flag for insurers. The good news? With the right strategy, smart shopping, and safe habits, you can minimize the damage—or avoid it altogether.
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🚗 Corin Insurance helps drivers across Texas, Kansas, and Missouri navigate the impact of violations and find competitive coverage even after a ticket.

Disclaimer:
This blog is intended for informational purposes only and does not constitute legal or insurance advice. Insurance rating factors vary by carrier and state. Speak with a licensed Corin Insurance advisor to review your current record and coverage options.