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Does a Speeding Ticket Affect Your Insurance?

So you’ve gotten a speeding ticket. Now you’re wondering if your car insurance will go up because of it. For most insurers, a speeding ticket will likely raise your rates. Other types of moving violations that result in a ticket, such as running a red light, illegal lane change or reckless driving, can also increase your rates. The type and severity of the violation factor into how much that increase will be.

How does a ticket for texting and driving affect my car insurance?

This depends on the texting and driving laws in your state. In some states, insurers aren’t allowed to consider texting tickets in insurance premiums. In states where it’s allowed, these tickets will likely increase your rates. 

Will a DUI make my premium go up?

A DUI is one of the most severe violations you can receive, so if you get one, you can expect either for your premium to go up or for your policy to be nonrenewed. DUIs can indicate a high likelihood that you’ll be involved in an accident.

Will a parking ticket make my premium go up?

Parking tickets aren’t moving violations, so they typically don’t affect your insurance, especially since they usually aren’t reported on driving records. Although they won’t impact your insurance premium, they can have penalties on your license and registration if not paid.

When will my premium go up after a violation?

It may take a couple of months to see the impact of a violation on your premium. Insurers usually aren’t allowed to increase your policy premium midterm for things such as violations or claims. So, if your six-month auto policy renewed in January and you got a speeding ticket in February, you wouldn’t see the premium impact until your policy renewed in July.

Many states have systems of adding “points” to your license for different or multiple violations. If you exceed a certain number of points on your license, you could have your license suspended by the state. It’s important to know that these points don’t exactly correlate to premium increases. Each state and insurer has different systems to keep track of violations. 

How long does a speeding ticket stay on your record?

It’s common to see rate increases from a speeding ticket last for three to five years, although this varies by state. If you have multiple moving violations within a few years, this could lead to your policy being nonrenewed. How long a speeding ticket stays on your personal driving record varies by state and would be determined by your local department of motor vehicles.