Do I have to declare speeding points on my insurance?

You will have to tell your insurer about your speeding tickets when you are applying for insurance. If you don't, they'll likely find out about it, whether you're signing up for a new policy or making changes to your existing one.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 13, 2022

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Things to remember...

  • You have to declare your speeding ticket when you buy a new policy
  • Your ongoing policy will not be affected by your speeding ticket until your renewal
  • A speeding ticket will increase your insurance premium

A single speeding violation can increase your insurance premiums. A small lapse in judgment could be the difference between a good driver’s discount and paying a surcharge. Drivers with just one speeding ticket end up paying $45.46 per month more in auto insurance premiums 

You got a speeding ticket, do you have to inform your insurer about it? Can you hide it from your insurer? Do you declare it when applying for a new policy? Read on as we explain how speeding points affect your insurance.

Do you have to tell your insurer about a speeding ticket? 

You don’t technically have to inform your current insurance provider about a speeding ticket. However, the insurance company will likely see it when you renew your policy, and you will have to tell insurance companies when you’re applying for a new policy. So it’s in your best interest to tell them as soon as it happens.

Your insurance company will likely find out about the ticket on renewal reviewing your driving record is part of the process. If you don’t tell your company and it doesn’t pull the record until later on, insurance companies can backdate the rate increase.

There is no way you can hide your speeding points as insurers can see your driving history. 

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Do speeding tickets affect insurance? 

Speeding points will increase your insurance rates. Drivers with speeding tickets will be considered in the higher risk group and will be charged higher rates even if they have never made a claim for themselves. 

The amount your rates increase as a result of getting a speeding ticket will depend on the insurance company. If you are planning to change your insurance company and are comparing quotes given by different auto insurance companies, be honest about your speeding points. The quote you get will depend on your driving record, among other things.

Factors considered by insurance companies before giving you a quote include: 

  • Your driving record
  • The number of speeding tickets you have
  • The time between speeding violations

Your speeding points will affect your auto insurance rates. The extent to which your rates will increase will depend on the above-listed factors. 

How Speeding Points Can Affect Your Insurance

We have already established that speeding points will potentially raise your premium amount. But are there any other ways in which a ticket can affect your insurance? Does it have long-term repercussions? It does, here is how it will impact you. 

A Poor Driving Record Cancels Out Discounts for Experienced Drivers

The Insurance Information Institute explains that experienced drivers are likely to pay less for car insurance. However, poor driving history can reduce and even nullify the benefits gained from driving experience.

Loss Of Coverage

If your record of accidents and traffic violations is serious enough, you may be declared uninsurable by private insurers. If traditional insurance companies do not offer coverage to you because of the high rate of violations, you can get coverage through a state-run risk plan. 

You can check your state’s insurance department to check whether high-risk insurance is available in your state. 

What can you do to reduce your premium? 

You were driving above the speed limit and got ticketed for it? You made a mistake, what now? Don’t worry, there are ways to improve your record. Here is how you can do it:

Drive Safe

This might sound cliche, but it never fails. The better your driving record, the lower the premiums. Therefore, focus on driving safely and improving your history. If you already have tickets on your record, they will drop off after three years, and you will have a clean slate.

Consider Changing Your Coverage 

You can change your coverage amounts to lower your premium. This is a short-term measure. Once your driving record is better, you can then switch back to your original coverage type. Remember you still need to meet the state minimum and also maintain coverage required by your finance company.

Take a Safe Driving Course

Some states offer defensive driving or a safe driving course, or an accident prevention course to reduce the premium. Drivers who complete the course are eligible for discounts. 

Some insurers might not raise the premium if it is your first violation and you are over the age of 25. 

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Speeding Tickets Make Insurance More Expensive  

Speeding tickets affect the cost of your auto insurance. When you buy a new policy, you will have to tell your insurer about your speeding tickets. Even if you do not tell your insurer, it will find out, as insurance companies can see your driving record. Failing to disclose could cause your insurance to be revoked. 

You will be considered a high-risk driver and thus will be charged a higher premium if you have a speeding ticket. 

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