Speeding tickets and your premium
How long a ticket follows you, why the size of the increase varies, and what to do next.
A speeding ticket tells insurers you are statistically more likely to file a claim. Most companies surcharge a policy after a moving violation, typically at renewal rather than immediately.
How much it can cost
Increases vary by insurer, state and how fast you were going. A minor speeding ticket often raises a premium by roughly 20% to 30%, while major violations such as reckless driving or very high speeds can cost much more.
How long it counts
Most insurers look back three to five years for moving violations. Your state's driving record may keep the ticket longer than insurers use it.
| Violation | Typical impact |
|---|---|
| Minor speeding (under 15 mph over) | Moderate surcharge |
| Major speeding (30+ mph over) | Large surcharge |
| Reckless driving | Very large surcharge; some insurers decline |
| DUI/DWI | Severe; may require an SR-22 filing |
What you can do
- Ask the court whether traffic school can keep the ticket off your record; many states allow it for minor violations.
- Keep the rest of your record clean so the surcharge drops off on schedule.
- Compare quotes. Insurers weigh violations differently, and one may surcharge much less than another.
This guide is general information from Turbo Auto Quote, not insurance, legal or financial advice. Coverage rules vary by state and insurer.