Speeding Ticket? 15 States Where Your Insurance Rate Will Spike the Most

Jim Carrey in Liar Liar

Jim Carrey in Liar Liar gets caught for speeding | Universal Pictures

When was the last time you were cruising along on an empty road, only to look down at the speedometer to see you were going 15 miles per hour over the speed limit? It happens every now and then to all of us, but those lapses in cruise control can cost you big-time, depending on where you live.

Not only will the speeding ticket itself cost you a pretty penny, but you can also expect your auto insurance rate to jump, too. As the Department of Motor Vehicles explains, a number of variables are a play here. Most importantly, auto insurance companies will see you got a speeding ticket, thus making you more of a risk for getting in a car accident later. Each company evaluates those risks differently, but generally the number of tickets and how much over the limit you were driving are significant factors.

The state in which you live can also impact how much you pay for insurance. Base rates vary depending on where you live, and so does the average rate hike after a speeding ticket.

According to a recent analysis by NerdWallet, the average American pays $1,394.33 per year for auto insurance without any infractions. If you get a speeding ticket (Nerd Wallet looked at incidents from 11 to 15 mph over the speed limit), the nationwide average jumps to $1,586.62 — a 14% increase in your rate. In other words, unless you have a forgiveness option in your policy, you should likely expect at least some type of increase the next time your insurance is renewed.

In particular states, the consequences can be much higher than that 14%. In all of the 15 states listed below, the percentage increase was more than the national average. (In the event of percentage increase ties, states were organized in order of the average insurance cost after the ticket.) If you live in these areas, you might want to think twice before flooring it on your next road trip, or pushing the speed limit when you’re late to work.

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