How to save on insurance after a speeding ticket
After you receive a speeding ticket, there are a few things you can do to reduce the impact it could have on your car insurance rate. Here are some top tips.
Fight the ticket
If you haven’t already paid the ticket, you should opt to fight it in court. Paying the ticket serves as an admission of guilt in most states, which will lead to demerit points on your record, a fine, and even a driver’s license suspension. If you have valid evidence and the support of a ticket lawyer to defend your case, you should plead not guilty and attempt to have the ticket dismissed to avoid points, fines, and a car insurance rate hike.
Take a defensive driving course
If your ticket isn’t dismissed, you may be able to take a safe driving course to remove points from your driving record. Less points on your record could lower the impact of a speeding ticket on your car insurance rate, but keep in mind that you may not qualify for insurance savings if your course enrollment was court-mandated.
Seek discounts
A speeding ticket on your driving record may disqualify you from the benefits of a good driver discount
, but there are still tons of other car insurance discounts that you may be eligible for. Popular GEICO discounts include a new car discount, anti-theft discount, pay-in-full discount
, and a bundling discount for policyholders with homeowners insurance or renters insurance and auto coverage. Enroll in telematics
GEICO’s DriveEasy
telematics program can lower your car insurance premiums by 15% or more when you track your driving habits using the mobile app. The app tracks your on-road safety and rewards you with a discount if you consistently exemplify safe driving habits. FAQs
How much will my GEICO insurance rate go up after a speeding ticket?
GEICO auto insurance rates increase by an average of 34% after a speeding ticket, but depending on your state and circumstances, your rate may increase more or less.
Does GEICO offer good rates to drivers with speeding tickets?
GEICO offers fairly affordable rates to drivers with speeding tickets, but your post-violation premiums will heavily depend on your state, your driving record, and the severity of the ticket.
How does GEICO calculate car insurance rates?
GEICO uses various factors to calculate car insurance rates, including your location, age, gender, credit score, vehicle type, driving history, and insurance record. Your state’s regulations will also play a part in your rate calculation.
How long will my insurance rates be high after a speeding ticket?
Speeding tickets typically affect insurance premiums for three to five years, depending on your state. Even a first speeding ticket will impact your rates.
How long does a speeding ticket stay on my driving record?
A speeding ticket will typically remain on your driving record
for three to five years, although the exact timeline depends on the state you live in. Does GEICO offer discounts after a speeding ticket?
You will likely not be eligible for a good driver or safe driver discount after a speeding ticket, but GEICO offers numerous other discounts that you could qualify for, even with a speeding ticket on your record. Ask your GEICO insurance agent about vehicle equipment discounts, driver affiliation discounts, and customer loyalty discounts.
What are the best car insurance companies after a speeding ticket?
The best auto insurance provides for drivers with speeding violations include GEICO, USAA, State Farm, and Progressive.