Car Insurance Increases After a Speeding Ticket

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Speeding can result in criminal charges and fines, depending on the severity of your actions. Speeding can also result in your vehicle being impounded and your driver’s license suspended.

Expect your auto insurance rates to increase if you get a speeding ticket, such as a speeding ticket or passing a school bus illegally.

How much money are you looking for? We analyzed car insurance rates across the country to find out.

Car Insurance Costs Increase by Company After a Speeding Ticket

We analyzed comparing the prices of reputable drivers and drivers who are breaking the competition and found that:

  • The average car insurance premium increases after a speeding ticket by 71%.
  • State Auto had the highest rate after a speeding ticket at 115%, among the companies we analyzed.
  • State Farm had the lowest annual premium ($1,991) and the lowest (34%) for drivers with a speeding ticket.

Car Insurance Costs Increase by Government After Speeding Ticket

Based on our global price analysis:

  • New York City drivers get the lowest rate at just 36%.
  • North Carolina drivers are hit with an average rate of 334%.

What Happens If You Get a Road Race?

What happens when you get caught in a road race depends a lot on the government. The National Hot Rod Association warns that in some states you can be arrested, fined and impounded for up to 30 days. Your driver’s license can also be revoked.

Here are some examples of penalties for illegal speeding.

Road Racing Penalties in California

Per California State Lawa man “shall not take part in a race of cars on the highway.”

If a driver is found guilty of speeding, they can be jailed for 24 hours to 90 days, fined between $355 and $1,000 or jail and fines. Other penalties include 40 hours of community service and a driver’s license suspension of 90 days to six months.

If someone is charged with speeding that caused injury to someone other than the driver, the consequences can include 30 days to six months in county jail, a fine of $500 to $1,000 or both.

If a driver is charged with speeding more than once within five years, the consequences can include four days to six months in jail, a fine of $500 to $1,000 or both. If bodily injury is the result of a second offense, this can result in imprisonment of 30 days to six months and a fine of $500 to $1,000.

Road Racing Penalties in Florida

Florida is another state where penalties for speeding increase with each conviction.

According to resources published by State of Florida, the first rate is a first degree error. Drivers may be required to pay a fine of $500 to $1,000 and may lose their driver’s license for up to one year.

Meanwhile, a second violation within five years of the first is a first-degree misdemeanor, which can come with a fine of $1,000 to $3,000 and a two-year driver’s license suspension.

A third and subsequent violation within five years of the first violation can result in a misdemeanor or first-degree felony charge, as well as a $2,000 to $5,000 fine and a four-year driver’s license suspension.

Road Racing Penalties in Illinois

Penalties for speeding in Illinois can include a Class A misdemeanor for a first offense and a $250 fine.

A second offense is considered a Class 4 felony, which carries a minimum fine of $500 and a driver’s license suspension.

Those convicted of extreme street racing can be charged with a Class 4 felony and face up to 12 years in prison.

Sanctions for Street Racing in New York

A race that is not sanctioned in the state of New York is considered illegal and may result in severe penalties.

According to laws passed by the New York State Legislature, a first offense of illegal speeding results in a misdemeanor and up to 30 days in jail, a fine of $300 to $525 or both.

A second violation within the first 12 months can result in serious consequences, including up to six months in jail, a fine of $525 to $750 or both.

Penalties for Road Racing in Pennsylvania

The Pennsylvania General Assembly clearly spells out the penalties for illegal competition in the state.

Violators caught street racing or riding bikes can be fined up to $200.

Charges can be increased to reckless driving or careless driving if the incident occurs on a state highway. The offense can result in a six-month license suspension, a fine of $200 to $1,000 or both.

Texas Road Race Penalties

Speeding is illegal in Texas, but penalties for being caught can vary.

Someone convicted of speeding can face a Class B misdemeanor on their first offense, which can carry up to 180 days in jail and a $2,000 fine.

Traffic violations can result in a Class A misdemeanor, which can result in up to one year in jail and a $4,000 fine.

If an offender is convicted of two or more counts of speeding, they may face a State Jail Felony, which carries a maximum of two years in prison and a $10,000 fine.

Any traffic violation that results in injury can result in two to 10 years in prison and a $10,000 fine.

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