When Will a Speeding Ticket Show Up on Insurance?

Appeal Speeding Tickets When Will a Speeding Ticket Show Up on Insurance?

When Will a Speeding Ticket Show Up on Insurance?

Getting a speeding ticket is more than just an inconvenience. A speeding ticket comes with serious consequences. The fine is the least of them. Getting a speeding ticket puts your license at risk, and may mean higher insurance premiums.

If you're concerned about how a speeding ticket will affect your insurance, the information is here in this article. You'll also find out how to get out of the speeding ticket completely. You'll save money on the fine and avoid increased premiums in the future–with DoNotPay!

DoNotPay has successfully fought more than 200,000 speeding tickets. It is so successful that mainstream news outlets like the BBC have published articles on its Speeding Ticket product. DoNotPay can get you out of your speeding ticket, and make sure that it won't affect your insurance premiums.

How Will a Speeding Ticket Affect Insurance Premiums?

According to Bankrate, the average insurance premium is more than $300 higher after a speeding ticket. Depending on the state you live in, you may see an even bigger increase.

Here’s how insurance premiums go up after speeding tickets in some states:

  • Louisiana, Florida, and Michigan have the highest post-ticket premiums. If you get a ticket in one of these states, expect to pay more than $3,000 a year for insurance.
  • Maine, Idaho, and Ohio see the lowest increases after speeding tickets. People pay around $1,200 a year for insurance after a ticket in these states.

The increase depends on a number of factors:

  • How is your previous driving record?
  • Is this your first speeding ticket?
  • How many miles were you speeding over the limit?
  • When was your last speeding violation?

The rate of increase will be applied once your policy is renewed. The rate increase on your car insurance premium may follow you for the next few years, that’s why you should avoid it as much as you can.

Here’s a sample of the average rate increase you can expect from some popular car insurance companies charge after you get a speeding ticket:

Insurance CompanyRegular Rate for Good Driving RecordRate for Driver with Speeding Ticket% Increase After You Get a Speeding Ticket
All State$2,022$2,30114%
State Farm$1,402$1,607 1515%
USAA$1,141$1,38121%
Farmers$2,124$2,74329%
Geico$1,182$1,57934%

A speeding ticket can stay on your driving record for around 3-5 years. In many states, speeding can also add points to your license through a penalty system. Depending on the state, you will be assigned demerit points for traffic violations. Too many points may lead to a license suspension. So not only does getting a speeding ticket increase your insurance costs, you also sirk losing your driver’s license!

How Long Will a Speeding Ticket Show Up on Insurance?

A speeding ticket may take six months or one year to increase your premium. Insurance companies aren't constantly checking driving records for existing clients and they usually re-check every year. That means you may have up to a year to remove the speeding ticket from your record before the insurance company finds out about your speeding ticket and increases your premiums. After 3 years, your speeding ticket should fall off your driving record, according to Car and Driver. Your insurance premiums may not go back to normal on their own. Call your insurance company to negotiate a lower rate, or switch companies entirely. You may be able to get a better rate with a new carrier.

The easiest way to avoid increased premiums is to fight the ticket.

Fighting a Speeding Ticket on Your Own

It is possible to fight a speeding ticket. If you successfully defend yourself against the ticket, it won't go on your driving record, or show up on insurance.

If you decide to fight a ticket on your own, you'll need to do a lot of research. Each state has its own rules for how to fight a ticket. Some details may be available on the paper ticket itself.

Generally, you will need to:

  1. Understand the procedure for pleading not guilty to the ticket.
  2. Have evidence that you are not guilty. Your testimony counts as evidence.
  3. Know when to show up to court, and how to present your case to the judge
  4. Defend yourself from the prosecution's arguments.

Contesting a speeding ticket is definitely worth the effort. You don’t have to pay fines, incur demerits on your license, risk suspension, and of course, increase your insurance costs. Make sure to dispute your speeding ticket promptly to avoid consequences.

Fight a Speeding Ticket Easily With DoNotPay

DoNotPay has gotten consumers out of hundreds of thousands of speeding tickets. According to Newsweek, DoNotPay's "robot lawyer" has cleared over $4 million in fines for its users. You can be part of it, in just five 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 really that simple! Look out for your traffic ticket issuer's response to discover whether you won!

What Else Can DoNotPay Do?

DoNotPay isn't just for speeding tickets. You can save a lot of money with DoNotPay's services. Try one of the services below:

DoNotPay is a great way to get stuff done, save time, and save money. All of their products are fast, easy, and successful. That includes the Speeding Ticket product. Use it today, and you may not have to worry about increased insurance premiums from a speeding ticket.

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