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How Speeding Tickets Affect Your Rates

Learn how speeding tickets affect your rates for car insurance, and you will be in a better position to get a good deal when you go to compare car coverage quotes. A lot of people falsely believe that speeding tickets will not affect their insurance rates at all; however, this couldn’t be further from the truth. Although your record of tickets is just one thing that insurance companies look at when they are deciding on rates, they do look at this issue carefully.

Why It Matters

Speeding tickets are important to insurance companies than the color of your car because they indicate that you are a risk taker. The more risks you take while you are out on the road, then the more likely it is, in their eyes, that you are going to be involved in a car accident in the future. As a result of this belief, a lot of insurance companies will look at your history of speeding tickets and then use this information to signify how much of a risk you are to insure.

Some statistics indicate that those who get tickets, such as speeding tickets, are more likely to be involved in a collision. Insurance companies take information like this very seriously because they don’t want to lose money. If they think that they are going to lose a lot of money by insuring you, then they are going to charge you higher rates for your premiums.

How it Works

All driving incidents, including when you get a ticket for an accident or speeding will be assigned a number of points by your state. These points become key when you are applying for a policy with an insurance provider in your area. As soon as you commit one of these incidents, you will automatically get points put on your record. They become a permanent part of your driving history, which companies look at when deciding to offer you coverage, unless you get them taken off in some manner. Generally speaking, the more points a person has on his or her license, the great the likelihood of that person to have to pay higher rates for insurance.

Fortunately, there are ways to get these points taken off. Most of the time, points for speeding tickets can be taken off for taking driver’s education courses. By completing these courses, you are demonstrating your commitment to being a safe driver at all times on the road.

The Whole Picture

Remember, though, that insurance companies want to get a whole picture of you as a driver. It is unfair to say that because you have speeding tickets in your past, you are automatically going to be charged higher rates for your premiums. All companies are different and will charge you based on their own standards. These standards are difficult to predict and thus it is difficult to say just how much of an impact that speeding tickets have on your rates when you apply for car insurance.

In addition to your speeding tickets affecting rates, your potential insurer will also look at your whole driving history. If you have been a good driver throughout most of your time behind the wheel, then this is likely to count in your favor. If you have been in accidents or other traffic-related incidents, then that is likely to count against you when you go to get a policy. Just be as honest as you possibly can and you will get the most fair quote that the providers have to offer someone with your level of risk.


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