Enter your ZIP code:

Speeding and Car Insurance Rates

Most drivers drive faster than posted speed limits, at least now and then, and many speed every time they get behind the wheel. It doesn't seem to matter that average speed limits across the country are higher now than they were a decade ago.

A substantial percentage of drivers are going to push beyond the posted speed limits, whether they are running late, not paying attention to their speed, have a new sports car or because they just enjoy driving fast. Clearly, there are not enough highway patrol officers to give speeding tickets to all those who speed. This means the odds of not getting caught and ticketed always favor the speeder.

Until they do get a speeding ticket, most drivers give little thought as to how this may affect their car insurance rate quote. They may be in for an unpleasant surprise! They may have to pay an expensive increase in their auto insurance rates, in addition to the ticketed fine. In cases of extreme speeding, a driver’s cost of car insurance could actually double, even on a first offense.

Why do insurers often raise your car insurance rates after only one speeding ticket? It’s simple. Numerous studies by highway safety experts show that “the faster you go, the more deadly it is,” says Jeanne Salvatore, spokeswoman for the Insurance Information Institute (III), an industry trade group. “There’s a higher possibility you’re going to cause a lot of damage to people or property," Salvatore says.

If you’re cited for speeding, your insurer may attach a temporary surcharge to your policy for three years. One large auto insurer may raise your rate by up to 26 percent the first year, then gradually lower that surcharge and drop it completely after three years, as long as you have no more moving violations.

The size and duration of the increase varies depending on several factors, including:

  • Your driving record and your relationship with the insurance company. Some insurers waive the surcharge if the customer has had a long relationship with the company and previously had a clean driving history. 
  • Where you live. Insurance is regulated by the states, and different states have different laws regarding the cost of car insurance. Some states don’t allow insurers to impose a surcharge for first-time speeding tickets, while others require insurers to raise rates for some speeding violations. For example, a single male driver who lives in Phoenix and receives one speeding ticket will experience an average rate increase of 16 percent, but the same driver will pay no more if he lives in Philadelphia.
  • How much you were exceeding the speed limit. An analysis by USA TODAY found that 10 percent of ticketed drivers in 2002 were “extreme speeders”—drivers who exceeded 90 mph, or 15 mph above any speed limit. Extreme speeding is considered reckless driving, a major violation. Even a first-time citation can more than double the cost of car insurance and inflate your car insurance rate quote.

Speeding may also affect insurance rates other than just your auto insurance. Insurance companies may look at your driving record when deciding whether you’re a high-risk customer and could charge you higher rates for life, health, disability or long term care insurance.

Once upon a time in the ancient past—at least 30 years ago, anyway—there were a series of public service ads on television and radio with the overall message, “Speed kills.” One displayed a clock and then showed a car speedometer pushing 65. “Don’t try to catch this hand [the clock] with this one [the speedometer],” the announcer advised.

In other words, it might be better to be late than dead or seriously injured. It’s been a long time since there was a public campaign aimed at getting America’s drivers to slow down and save lives. But that doesn’t mean speeding is any safer. Speeders are still more likely to have accidents, injuring themselves and/or others, than drivers who obey speed limits.

An increase in car insurance rates caused by speeding is troublesome, but the increased risk of death or serious injury is even worse.

List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17583
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 17909
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16852
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17223
81 How to Get Discount Auto Insurance youcomparequotes 17663
80 Insurance for Van Lovers youcomparequotes 17332
79 Car Insurance That Fits Your Needs youcomparequotes 17064
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17248
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18187
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17069
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19302
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17648
73 Auto Insurance from InsureMe youcomparequotes 17567
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 17921
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18316
70 Buying and Insuring a New Car youcomparequotes 16697
69 Compare Auto Insurance Rates youcomparequotes 17034
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16536
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16635
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17126
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17246
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16531
63 How to Reduce Car Insurance Prices youcomparequotes 17111
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17317
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16598
60 Auto Insurance Cost & Your Ride youcomparequotes 17121
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16902
58 How to Get the Cheapest Car Insurance youcomparequotes 16811
57 Selecting a Car Insurance Company youcomparequotes 17513
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17120
55 Get the Best Car Insurance Rates Around youcomparequotes 17361
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16392
53 Child Safety Belts Keep Kids Safe youcomparequotes 17063
» Speeding and Car Insurance Rates youcomparequotes 16761
51 Not At Fault Car Insurance & Accidents youcomparequotes 16903
50 State Auto Insurance Becoming Available youcomparequotes 17186
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17635
48 Car Insurance & Roommates or Family Members youcomparequotes 17217
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16912
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16816
45 SUVs: Minor Collision, Major Damage youcomparequotes 17361
44 Severe Weather Driving Tips youcomparequotes 17093
43 Avoiding Aggressive Drivers youcomparequotes 17995
42 Safety Tips & Car Insurance for Teens youcomparequotes 17063
41 Insurance for Cars: It's Your Choice youcomparequotes 17021
40 Car Insurance Quotes Save You Money youcomparequotes 17082
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 17941
38 Safety Features Save Lives & Money youcomparequotes 16834
37 Curbing Auto Insurance Prices youcomparequotes 16380
36 Teen Auto Insurance youcomparequotes 16656
35 Car Insurance: Your Questions Answered youcomparequotes 16583
34 How to Buy Car Insurance youcomparequotes 17349
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16626
32 Truck Insurance for Your Pride & Joy youcomparequotes 16416
31 How Insuring a Used Car Can Save You Money youcomparequotes 17258
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17118
29 Credit Scores & Car Insurance youcomparequotes 17769
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16277
27 Reducing SUV Insurance Rates youcomparequotes 16804
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17319
25 How to File an Auto Insurance Claim youcomparequotes 16957
24 Avoiding Deer Collisions While Driving youcomparequotes 17427
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16752
22 Auto Insurance Basics That Save youcomparequotes 17182
21 It's Official - Men Are Terrible Drivers youcomparequotes 18669
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17432
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 16955
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17214
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 16973
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17339
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16780
14 Your Options in Motorcycle Insurance youcomparequotes 16793
13 The Advantages of RV Insurance youcomparequotes 17176
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34675
11 Insuring Your Teen Driver youcomparequotes 16941
10 The SR22 & Car Insurance youcomparequotes 16437
9 Auto Insurance & Generic Parts youcomparequotes 17144
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18267
7 Drowsy Drivers, Wake Up! youcomparequotes 16442
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17802
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17232
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21306
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16750
2 Auto Insurance Quotes youcomparequotes 17210
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17364
XE Login