Don’t guess. Call your insurance agent and be honest. Say, “Hey, I got a ticket. Don’t judge me. What’s the damage?” They’ll give you a rough number. Alternatively, you can shop around. Insurance companies are like Tinder dates—some are grouchy about your past, and others are more forgiving if you have a clean driving record otherwise.
Speeding Tickets Drives Up by Over $500 a Year - LendingTree
One more thing: points on your license matter. In most states, speeding tickets add points, and those points are like sneaker scuffs on a white carpet. Too many, and you might lose your license entirely. Then your insurance really skyrockets, because you’ll have to get a high-risk policy, which is basically the insurance version of a sketchy motel.
I remember a neighbor who bragged he’d never had a ticket. Then he got one for going 41 in a 35. His premium went up $200 a year. He still brings it up at block parties, shaking his head like he’d been framed by a traffic camera. We all have that friend.
The Bottom Line
So, how much does insurance go up? Expect a 20% to 40% increase for three years. But here’s the silver lining: if you avoid another ticket, the increase fades over time. It’s like a bad haircut—eventually, it grows out and no one remembers you looked like a confused poodle for six months.
Until then, maybe ease off the gas. Set your cruise control to exactly the limit. Pretend your grandma is in the passenger seat, holding a full cup of tea. Or just invest in a good radar detector—but I didn’t tell you that. Drive safe, or at least drive smart enough to afford dinner out.
