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How Much Does a Speeding Ticket Cost?

Speeding ticket fines vary widely from state to state — depending on where you receive the ticket, you can pay between $50-$2,500. Another aspect that varies is how the speeding ticket will affect your car insurance: maybe slightly, if this is your first offense; maybe significantly, if your driving record has seen better days. You won’t know for sure until you hear from your coverage provider, but it’s a good idea to be proactive and start shopping for affordable insurance as soon as you get the ticket.

Speeding Ticket Fines by State

The total cost of an average speeding ticket is $150; however, it’s important to remember this is based on your run-of-the-mill speeding ticket. Maximum fines for speeding tickets vary by more than $2,400 among all states. States usually reserve maximum fines for the more serious speeding tickets.

Some of the least expensive states for speeding tickets include Tennessee (the maximum fine is only $50), followed closely by Colorado, Idaho, and Kentucky (with maximum fines of $100 each).

Yet, you’re looking at a lot more if you live on of the most expensive states for speeding tickets. Georgia and Nevada each have a maximum fine of $2,000, while Virginia and Illinois clock in at a whopping $2,500 of maximum speeding ticket fines.

Speed tickets are a lot more common that we would think. Here are the top 10 speediest states in the U.S. as of 2019.

StatePercent of Drivers With Speeding Tickets
Nebraska15%
Idaho15%
Hawaii15%
Wisconsin15.7%
Wyoming15.9%
North Dakota16.4%
Ohio16.5%
Virginia16.6%
Iowa16.9%
South Carolina17%

How Much do Car Insurance Rates Increase After a Speeding Ticket?

Below are the average car insurance rates from several of the biggest auto coverage providers in the nation. Take a look at what you can expect both before and after you get a speeding ticket (typically for 16-20 mph over the speed limit).

Insurance ProviderAverage Rates Without Speeding TicketAverage Rates After Speeding TicketPercent Increase
Farmers$1,257$157625.4%
Nationwide$1,268$1,61427.3%
Liberty Mutual$1,452$1,81024.6%
GEICO$1,460$1,86327.6%
State Farm$1,478$1,86726.3%
Progressive$1,433$1,87931.1%
Allstate$1535$1,96427.9%

As you can see, on average Farmers and Nationwide offer the most affordable car insurance after a speeding ticket while Progressive and Allstate have the most expensive.

However, numerous factors will determine your specific insurance rate increase including your state, your insurance company’s policies, and your overall driving record. For example, your rates probably won’t increase as much for a first offense speeding ticket as they would if you already have a few violations in your driving history.

What to Do If You Receive a Speeding Ticket?

Of course, life is like an unknown road: sometimes we hit a few unexpected bumps along the way. So, it’s comforting to know there are ways you can save money on car insurance after a speeding ticket.

The good news is it’s highly unlikely you’ll be labeled a “high-risk driver” after one speeding ticket (maybe, if you’ve accumulated more than one in a short period of time, but typically not if you have only one). This means you won’t have to pay the high rates that come along with that title, nor will you have to find a provider that caters to SR-22 insurance filing.

If you do become a high-risk driver, you should find cheap car insurance for high-risk drivers.

The even better news is that several coverage providers offer affordable coverage after a speeding ticket, and you can get immediate car insurance quotes from these providers online and for free.

Unless you plan to fight the ticket, it’s best to start looking for cheap auto coverage as soon as you receive the violation; but keep in mind that over time you can clear your driving record and find even more affordable insurance in the future.

Final Thoughts

Even though they can get pretty pricey (the most expensive maximum fine is $2,500!), speeding tickets generally cost less and do less damage to your car insurance than other more serious offenses such as reckless driving and drunk driving. However, it’s unlikely you’ll walk away unscathed — especially once it’s time for your auto coverage provider to review your insurance policy.

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