What does a speeding ticket cost in your state?
The fine is only the start. One ticket raises insurance by 11% to 44% depending on the state, 24% on average nationally.
Where does one ticket raise insurance the most?
California drivers see the biggest jump, about 44% after one speeding ticket, or $3,501 over three years. New York has the smallest, at 11%.
Every state, side by side
Tap a column to sort.
| State | Fine | Insurance, 3 years |
|---|---|---|
| Alabama | $189–$370 | +$1,629 |
| Alaska | $24–$320 | +$1,285 |
| Arizona | $140–$493 | +$2,549 |
| Arkansas | Up to $500 fine + $100 or more | +$1,863 |
| California | About $158–$492 | +$3,501 |
| Colorado | About $57–$301 | +$2,546 |
| Connecticut | $142–$309 | +$2,306 |
| Delaware | $96–$190.40 | +$3,805 |
| District of Columbia | $50–$400 | +$1,318 |
| Florida | $129–$369 | +$1,455 |
| Georgia | $39–$450 | +$994 |
| Hawaii | Up to about $277 | +$1,033 |
| Idaho | $90–$155 | +$1,279 |
| Illinois | $164 | +$1,598 |
| Indiana | $175 | +$1,315 |
| Iowa | $89.50–$216 | +$2,142 |
| Kansas | About $153–$155 | +$2,106 |
| Kentucky | About $131–$234 | +$1,123 |
| Louisiana | $197.75–$227.75 | +$2,708 |
| Maine | $114–$278 | +$1,300 |
| Maryland | $80–$530 | +$1,595 |
| Massachusetts | $105–$265 | +$1,629 |
| Michigan | $125–$240 | +$1,591 |
| Minnesota | $115–$375 | +$1,838 |
| Mississippi | $159.50–$239.50 | +$1,809 |
| Missouri | $118 | +$1,512 |
| Montana | $20–$200 | +$2,051 |
| Nebraska | $145–$495 | +$1,529 |
| Nevada | About $65–$1,140 | +$2,533 |
| New Hampshire | $62–$496 | +$1,206 |
| New Jersey | $86–$261 | +$2,600 |
| New Mexico | $25–$200 | +$1,908 |
| New York | $45–$600 | +$895 |
| North Carolina | $201–$241 | +$2,064 |
| North Dakota | $20–$100 | +$1,426 |
| Ohio | $150–$221 | +$1,225 |
| Oklahoma | $100–$449 | +$1,695 |
| Oregon | $65–$2,000 | +$2,078 |
| Pennsylvania | At least $162 | +$1,497 |
| Rhode Island | $95–$205 | +$3,180 |
| South Carolina | About $56–$440 | +$1,300 |
| South Dakota | $97.50–$232.50 | +$1,552 |
| Tennessee | Set by each court | +$1,711 |
| Texas | $142–$381 | +$1,778 |
| Utah | $130–$480 | +$1,693 |
| Vermont | $53–$1,197 | +$968 |
| Virginia | $57–$259 | +$1,460 |
| Washington | About $117–$434 | +$2,602 |
| West Virginia | Up to $100 fine + $112 or more | +$1,418 |
| Wisconsin | $205.80–$546 | +$1,512 |
| Wyoming | $5–$277 | +$1,226 |
Increase and premium are state averages for full coverage from ValuePenguin State of Auto Insurance in 2026, not a quote. Fines are shown only where we have the published schedule.
Got a different ticket?
- Speeding
- School zone
- Work zone
- Red light
- Stop sign
- Texting
- No insurance
- Expired registration
- Seat belt
- School bus
- Failure to yield
- Parking
- All ticket types →
What else do people ask?
How much does one speeding ticket raise car insurance?
About 24% on average nationally for full coverage, according to ValuePenguin State of Auto Insurance in 2026. It ranges from 11% in New York to 44% in California.
How long does a speeding ticket affect insurance?
Many insurers look back three to five years. This page shows three years at the state average increase.
Why does the fine differ so much from court to court?
In states like Texas and Georgia each court sets its own fines. California and Florida use statewide schedules, and New York sets ranges by law.
Sources
Insurance sources (4)
- State of Auto Insurance in 2026, ValuePenguin (LendingTree).
- Car Insurance Rate Increases with a Speeding Ticket in 2026, ValuePenguin (LendingTree).
- How Does a DUI Affect Your Auto Insurance Rates in 2026?, ValuePenguin (LendingTree).
- How Much Will My Car Insurance Rates Go Up After a Crash in 2026?, ValuePenguin (LendingTree).