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How much is a speeding ticket?

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Updated Nov 01, 2024

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Key takeaways

The Insurance Institute of Highway Safety (IIHS) estimates that speeding accounted for 29 percent of crash fatalities in 2022.
Driving even 5 mph over a road’s speed limit can cause an increase in traffic fatalities of up to 8 percent, as reported by the IIHS.
Data collected by the General Highway Safety Association shows that teen drivers accounted for 43 percent of all traffic fatalities between 2015 and 2019, where speeding was a factor.
Data from the National Safety Council reports that on average, speeding was a factor in 33 traffic fatalities per day in 2022.

How much does a speeding ticket cost?

In addition to a fine and court fees, you will also likely face an increase in your car insurance premium after receiving a speeding ticket. So, how much is a speeding ticket? A speeding ticket cost calculator may help you with your specifics, but the general costs are outlined below:

Bankrate's analysis of 2024 rate data provided by Quadrant Information Services shows drivers with a single speeding ticket conviction pay an average of $2,975 per year for a full coverage policy and $816 per year for minimum coverage. Comparatively, the average car insurance rates for a policy for a driver with a clean driving record is $2,458 per year for full coverage and $678 per year for minimum coverage.

How much you will pay in fines for speeding depends on the situation. Your ticket might list the amount of the fine, but this is not true of all states and cities. You may want to call the court if you have further questions. The following factors may determine how much your speeding fine will cost you:

Speed: Your actual speed may significantly impact the cost of your speeding ticket, with higher speeds sometimes leading to criminal charges, license suspensions and even jail time. For example, driving 30 miles per hour or more over the speed limit in Oregon could result in a license suspension.
State: Where you are cited for speeding matters. States like Nevada have much stricter penalties for speeding than other states. Louisiana drivers, who already contend with some of the highest average full coverage car insurance rates at $3,744 per year, pay 22 percent more on their full coverage car insurance after just one speeding ticket. The county and even city where you received a citation may also impact your costs post-speeding ticket.
Zone: If you are caught speeding in a high-risk area, such as a school, work or construction zone, you could face much steeper penalties than you would on a regular roadway.
Additional infractions: If a police officer observes you committing other infractions while speeding, such as reckless or drunk driving, the consequences of your speeding ticket are likely to be much more severe. In these cases, what would have been a standalone speeding ticket could potentially lead to increased fines or even jail time.
Prior driving record: If you have a history of speeding or multiple moving violations on your record, you may be charged a higher fee than if it was your first infraction. In Massachusetts, for instance, receiving three or more speeding tickets within a 12-month period could result in a license suspension.

Other speeding ticket penalties

The consequences of speeding aren’t just limited to receiving a ticket, fine or time in court. If you get a speeding ticket, you may also experience:

Speeding is dangerous and could result in harm to yourself or others if an accident occurs. Additionally, if you hit someone and injure or kill them while speeding, you can expect penalties to be much more severe
If your offense is severe enough or your driving record shows a pattern of speeding, you could have your license suspended from anywhere from one month to over a year. In some states, you may face vehicle registration suspension as well for more severe infractions.
In states with license point systems, speeding may lead to added points on your driver record, which could result in expensive fines or license suspensions. Additionally, your insurance carrier is likely to use a separate point system to apply surcharges to your policy. Surcharge points not only raise your car insurance premium, but can also lead to your insurance company canceling or nonrenewing your policy if you accumulate a certain number of points.

Will a speeding ticket increase my car insurance rate?

The average cost of car insurance is $2,458 per year for a full coverage policy. A driver with a speeding ticket conviction on their record pays an average of $2,975 annually. For minimum coverage with a speeding ticket, drivers pay an average of $816 yearly, but those with a clean record pay an average of $678. In most cases, drivers can expect speeding tickets to impact their insurance rates for three to five years, depending on the carrier.

Insurance companies tend to view drivers with a speeding ticket as higher risk and more likely to cause an accident, so they often raise their premiums to reflect this risk. However, it is important to note that if your ticket is dismissed, it should not affect your rate. Some states also allow you to take a course to remove points from your license.

Speeding ticket costs by state

If you are still trying to answer the question, how much is a speeding ticket? The answer is, it’s tricky to know. That’s because costs for speeding, including penalties and car insurance hikes, vary greatly. Here is a quick look at the most and least expensive states for increased car insurance rates after one speeding ticket.

What are the most expensive states for car insurance after a speeding ticket?

To determine the most expensive states for a speeding ticket in terms of your car insurance costs, we looked at the total average full coverage premium for drivers with a single speeding ticket on their record. The three most expensive states are Florida, Louisiana and New York according to our research.

Florida: $4,755 per year — 59 percent above national average
Louisiana: $4,585 per year — 54 percent above national average
New York: $4,079 per year — 37 percent above national average
California: $3,909 per year — 31 percent above national average
Nevada: $3,814 per year — 28 percent above national average

What are the least expensive states for car insurance after a speeding ticket?

Car insurance companies in some states are more forgiving than others. If you receive a speeding ticket in Maine, Vermont or Idaho, you may be able to find cheap car insurance without much hassle. Other states like Hawaii, Texas and South Dakota all tend to have lower car insurance rates after speeding as well. Note that these states have some of the lowest average rates to begin with, so low rates after a speeding ticket may also be attributed to low overall average rates.

Vermont: $1,550 per year — 48 percent below national average
Idaho: $1,589 per year — 47 percent below national average
Hawaii: $1,718 per year — 42 percent below national average
Ohio: $1,847 per year — 38 percent below national average
Maine: $1,851 per year — 38 percent below national average

Average cost of a speeding ticket by state

The average cost of a speeding ticket varies significantly by state, with some states imposing much stricter penalties than others. For more information regarding the fines and court costs associated with your speeding violation, please reach out to the court directly or refer back to your ticket.

The table below demonstrates the average premium increase you could expect on your full coverage car insurance policy, outside of fines and court costs. As shown, how much your car insurance will increase may depend on where you live. However, keep in mind that your driving record is only one factor that influences your rate. The type of vehicle you drive, your annual mileage, and in some states, your gender and credit history can also impact how much you pay for insurance.

Hawaii