When Does A Speeding Ticket Affect Insurance Rates?

Insurance is affected by a multitude of factors, particularly how you actually drive in the real world. A speeding citation affects your insurance rates for a long time. Of course, the heftiest charges will render insurance a moot point because you can lose your driving privileges altogether.

Your Record Matters

Your driving record contains a list of any moving violations you may have. Traffic violations result in demerits on your license. These points will stay on your record for at least a year after the officer hands you your ticket, so the consequences are almost never worth getting where you are going faster.

Civil Penalties & Infractions

Every point on your license is at least a measure of an infraction. Some driving violations, including speeding, are actually misdemeanors. Anything behind the wheel that substantially endangers other people can actually lead to your detainment, as well as the potential for having your license revoked.

How Insurance Rates Change After Your Ticket

Going between 1 and 14 miles per hour over the speed limit will statistically increase your insurance rate by 11 percent. 15 to 29 miles per hour results in a 12 percent increase. Going 30 miles per hour or more above the limit is a 15 percent increase, as well as risking a reckless driving charge.

Reducing Your Insurance Costs: Post-Ticket

One positive is that there is definitely a life of driving after your ticket. Taking a defensive driving course can reduce the number of points on your license. After three years any points accumulated will fall off of your license. As well, you may be able to fight off your ticket and remove your points by contesting the charge.

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