How Much Will a Speeding Ticket Raise My Insurance Premium?

Appeal Speeding Tickets How Much Will a Speeding Ticket Raise My Insurance Premium?

How Much Will a Speeding Ticket Raise My Insurance?

Getting a speeding ticket is an unpleasant experience. In addition to the expense of paying the fine, you may also experience a premium increase with your insurance company. The result is that the fine you paid has turned into hundreds or even thousands of extra dollars yearly to pay for car insurance, depending on how long the infraction stays on your record.

 

 

DoNotPay has helped thousands of drivers appeal their tickets and saved them money on their insurance premiums as well. DoNotPay can help you avoid the expense of hiring a lawyer to guide you through the process of fighting speeding tickets. Let's take a look at how DoNotPay can help you avoid paying higher insurance premiums.

Will My Car Insurance Go Up if I Get a Speeding Ticket?

 

 

According to Progressive, you can count on an insurance rate increase if you get two or more speeding tickets within three years. This rate increase can vary depending on factors such as your driving record, insurance history, and in some states, how fast you were traveling when you were cited. In addition, if you are receiving a safe driver discount, you will likely lose that discount after getting a speeding ticket, which will also increase your premiums.

A DUI conviction will always increase your insurance premium because it makes you a riskier customer to insure. Some insurers will not even issue a policy to someone who has had a DUI. In addition, even out-of-state tickets can be factored into your insurance rates.

Premium increases can vary wildly from state to state. For example, in New Hampshire, a speeding ticket may mean only an extra $10.25 per month on your car insurance premiums. However,  in Michigan, where average car insurance rates are already relatively high, you may have to pay $92 a month more after a speeding ticket.

The percentage of the increase is dependent on your insurance company. Here is an example of price increases for six major carriers for a speeding violation of 16 to 29 mph.

State Farm12%Farmers23%
Allstate14%Progressive30%
Nationwide17%Geico37%

Can I Dispute a Speeding Ticket to Avoid Insurance Rate Increases?

Yes, in most states, you have 30 days to respond to the ticket. You have the option of paying the ticket and entering a guilty plea or fighting the charge and entering a not guilty plea. You must appear in court on the day and time given on the citation and submit your plea in person if you want to plead not guilty. After you enter a not guilty plea, you will be given a trial date.

During the trial, you can call witnesses, question the officer who gave you the ticket, provide evidence to prove your innocence, et cetera. Having a traffic lawyer help you through this process is good, but it can be rather expensive. DoNotPay can help you through the process without the need to hire an attorney.

Reasons That a Speeding Ticket Should Be Disputed

 

 

Aside from not having the expense of a ticket, there are other reasons that you should dispute a speeding ticket.

  1. You had to perform an illegal maneuver to avoid an accident
  2. It is your first ticket
  3. The officer pulled over the wrong vehicle
  4. Avoid additional points on your license

Contest Speeding Tickets In Less Than 120 Seconds

DoNotPay has helped thousands of people avoid paying for speeding tickets. This article in Money shows that DoNotPay is the perfect solution for fighting speeding tickets in a few easy steps. Here's how to get started:

  1. Log-in to DoNotPay and find the Speeding Ticket product. 
  2. Upload a photo of your speeding ticket. 
  3. Provide us with some details on why you believe the citation issued is a mistake. 
  4. Select whether or not you want the letter mailed to the traffic ticket issuer on your behalf!
  5. That’s it! You’ll receive an appeal letter that contains state vehicle codes to boost your case. 

It's that simple! Look out for your traffic ticket issuer's response to discover whether you won!

What Else Can DoNotPay Do?

Handling traffic tickets to avoid insurance rate hikes is one of many ways that DoNotPay can help simplify your life. In addition, DoNotPay can help with:

DoNotPay can also help you with:

Speeding tickets can create a lot of anxiety not only because you have to deal with the justice system, but also because you will have to deal with your insurance company possibly raising your premiums. Depending on your circumstances, that increase could be the difference between being able to afford insurance and not being able to afford insurance.

You have rights when it comes to fighting speeding tickets. You don't have to face the court system alone. Let DoNotPay help you avoid insurance premium increases by helping you fight speeding tickets in a few easy steps.

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