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fast and cheap traffic school

Auto Insurance Increase after Traffic Violation

Will a speeding ticket increase your Auto Insurance in California?

Neglecting traffic laws in California can lead to speeding tickets and/or other traffic violations which will usually always lead to an increase in your auto insurance premium.  Sometimes neglecting traffic laws is not intentional and happens to the best of us by normal distractions we can all face while driving! 

Either way this can lead to higher insurance rates for years after receiving a traffic violation.   There is hope though!  If it is your first ticket or it has been 18 months since you received your last ticket, you could be eligible to remove it from your record by paying the fine in court and completing traffic school. Register today at Cheap and Speedy Traffic School  to take your first step in preventing an increase in your auto insurance!

A traffic violation or speeding ticket in California can add up quickly ranging anywhere from $35 to $1,000.  This does not include other fees involved with the court plus the cost for traffic school.  Your auto insurance is likely to increase after a traffic violation, so how much does a speeding ticket increase your car insurance in California?

The actual amount will ultimately depend on multiple different factors. How fast were you driving over the speed limit and do you have any previous tickets or infractions?

The average annual full coverage premium before a speeding ticket is $2,190 compared to the average annual full coverage premium after a speeding ticket is $2,966.   This can lead to about a 35% increase in your auto insurance premium.  (Higher than the national average of 21%)

While a traffic violation can increase your auto insurance, other factors could increase your premium as well.  These factors can include the age of the vehicle, type of vehicle, annual milage, and chosen coverage and deductibles.  

However, there is a silver lining! Thankfully in California insurance companies are not allowed to use your ZIP code or credit-based information to calculate your auto insurance premium which could normally have a negative impact depending on where you live and if you are having any credit issues.

One factor out of your control however is your "Age." This has an impact on your auto insurance which is why it is so important to keep a clean driving record.

Insurance trends show younger drivers with speeding tickets in California have a 10% higher premium than older drivers with the same driving history. However, not all inusrance companies will charge a higher premium based on age combined with your driving history which is why it is so important to compare auto insurance rates between multiple companies. 

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