Do speeding tickets affect auto insurance?

Whether your car insurance premium goes up after you get a speeding—or any—ticket depends on many factors, such as the type of ticket, how severe the violation, if you’ve gotten another ticket recently, and where you are when you’re ticketed, among others.

Most likely, a ticket will affect your rate—but not always, and not always by the same amount.

For example, non-moving violations like parking tickets typically don’t affect your auto insurance rate—unless you don’t pay them and your license gets suspended. Or, if it’s your first speeding ticket, and you were only going a few miles over the limit, your insurance cost might not be affected at all.

If you do get a ticket under certain circumstances, you could lose your safe-driving discount or receive less discounts in the future, see a rate increase, or even lose your coverage.