When a speeding ticket raises your rate
If you get two or more speeding tickets in a three-year period, you can pretty much 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 get an increase. That depends on several factors, such as your driving record, insurance history, and, in some states, how fast you were going when you were cited.
Remember, Progressive offers a safe driving discount in nearly every state for being ticket- and accident-free, and you'll lose that discount after only one speeding ticket. The loss of the discount will result in a rate increase.
How long does a speeding ticket stay on your record?
Thankfully, speeding tickets aren't permanent and will not stay on your motor vehicle report forever. At Progressive, we only consider tickets you've had in the last three to five years. The length of time will vary by state, with three years being the most common time frame. Once the ticket is removed from your driving record, your insurance company will stop penalizing you for it upon your policy renewal.