Does a speeding ticket increase the cost of insurance?

If you get two or more speeding tickets in a three-year period, you can count on a rate increase at Progressive and most other insurers. But if you just got your first one in a three-year period, you may not receive an increase. Progressive customers who do see a rate increase after one speeding ticket pay roughly 15% more on average. Still, whether or not you receive a rate increase will depend on several factors, including your driving record, insurance history, and, in some states, how fast you were going when you were cited.

Pro Tip: If your insurer offers a discount for safe driving, you’ll likely lose that discount after only one speeding ticket.

How long does a speeding ticket affect my insurance?

Most speeding tickets will fall off your driving record within three years, after which you may qualify for a safe driving discount if your insurer offers one.

Do all moving violations affect my insurance cost?

Any moving violation that appears on your driving record can increase your car insurance rate depending on how your state and your insurer treat the violation. Most states add a certain number of points to your license every time you break a traffic law (the number of points added per violation varies between states). And while insurers don’t directly factor points into your car insurance rate, your rate is likely to be higher if you have a lot of points, simply due to the number of violations on your record.

Here’s a quick rundown of other common traffic violations and how they can impact your insurance rate:

Does a texting ticket increase my insurance rate?

It ultimately depends on the law in your state. Some states forbid insurance companies from considering texting tickets for the purpose of setting rates, while others don’t add points to your license for it, making it unlikely that your insurance will go up.

Do tickets from red-light cameras increase my insurance rate too?

If you get one of those infamous red-light camera tickets in the mail, you may or may not see higher insurance rates. As with texting tickets, it depends on how your state treats them. Some states outright ban insurance companies from factoring red-light camera tickets into their rates, while others treat them as minor moving violations, which may result in a rate increase.

Will parking tickets raise my insurance cost?

Since they’re not moving violations, parking tickets don’t typically affect your insurance, as most states don’t report them on driving records. However, failing to pay a parking ticket may cost you more than a rate increase, as many states will refuse to renew your license plate until you pay it. And if you choose to drive without an active registration, you could be cited for driving illegally.

Do out-of-state tickets affect insurance?

Yes, tickets you receive while driving outside of your state can drive up your insurance costs. However, the way the state or your insurer treats your violation may mean minimal or no changes in your rate. Either way, the best thing you can do when you get an out-of-state ticket is to pay the fine. Otherwise, you could be arrested the next time you’re passing through.