Does a Speeding Ticket Affect Your Insurance?
Yes — here's how much a speeding ticket raises your insurance, and how to blunt the hit.
People call it “ticket insurance.” Technically, it's a Citation Protection Plan™ — and here's the difference, plus why it protects your wallet the same way.
Important: This is not insurance
TicketGuard USA is not an insurance company and the Citation Protection Plan™ is not an insurance product. It is a subscription membership that pays eligible parking, traffic, and speeding ticket fines up to plan limits. “Ticket insurance” and similar phrases are used on this page only because they are the terms drivers commonly search for when they mean this kind of protection.
The honest answer is yes — and the size of the increase is exactly why so many drivers go looking for ticket insurance in the first place.
Compare your options: read Auto Ticket Insurance and Traffic Ticket Insurance, or see exactly how the Citation Protection Plan pays your eligible fines directly.
How Much a Ticket Raises Your Insurance
A single moving violation typically raises your auto insurance premium by roughly 22% to 36%. For many drivers that adds $600 or more over the following year — far more than the ticket's fine itself. The exact increase depends on your insurer, your record, your state, and the severity of the violation.
That surcharge usually sticks around for about three years, which is why one ticket can quietly cost thousands over time once the rate hike is included.
Why the Fine Is Only Half the Story
The numbers are why drivers look for this in the first place. Americans are issued an estimated 40 million traffic tickets every year and pay more than $5.4 billion in fines. The average speeding ticket is about $150 for the fine alone, and roughly 95% of ticketed drivers simply pay rather than fight it. Worse, a single moving violation typically raises your auto insurance premium by 22% to 36% -- often $600 or more over the following year.
You can't insure away the surcharge itself — no product erases points or premium increases. But you can eliminate the other half of the cost: the fine. That's what the Citation Protection Plan™ does.
How to Reduce the Total Cost of a Ticket
A Citation Protection Plan pays your eligible speeding, traffic, and parking ticket fines for a flat monthly price, so the fine portion of every eligible citation is covered. Combined with defensive driving where available, it's the most direct way to shrink the real, all-in cost of getting ticketed. Standard is $19.99/month, Premium $29.99/month, 30 days free.
What the Citation Protection Plan™ Covers
- Parking ticket fines
- Traffic citation fines
- Speeding ticket fines
- Campus & metered parking violations
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30-day free trial. Cancel anytime. Use promo code STREETZ for 30 days free.
- Pay nothing up front! 30 Days Free (Limited Time Offer)
- Parking tickets (metered fines only) coverage up to $35
- Parking boots (boot removal fee only) coverage up to $50
- Seatbelt violation (adult) coverage up to $15
- No Driver's License on Person coverage up to $25
- Red Light Camera violation (camera issued only) coverage up to $50
- Failure to Stop at Stop Sign coverage up to $50
- Texting While Driving (standard) coverage up to $50
- Failure to Use Turn Signal coverage up to $50
- Failure to Obey Traffic Light coverage up to $50
- Improper Lane Change coverage up to $50
- Speeding (6-10 mph over posted limit) coverage up to $75
- Toll Violation (initial toll fee only) coverage up to $7
- No other citation offenses covered.
- Pay nothing up front! 30 Days Free (Limited Time Offer)
- Parking tickets (metered fines only) coverage up to $45
- Improper Parking coverage up to $75
- Illegal Parking coverage up to $75
- Parking boots (boot removal fee only) coverage up to $65
- Seatbelt violation (adult) coverage up to $35
- No Driver's License on Person coverage up to $25
- Red Light Camera violation (camera issued only) coverage up to $75
- Failure to Stop at Stop Sign coverage up to $65
- Texting While Driving (standard) coverage up to $65
- Failure to Use Turn Signal coverage up to $65
- Illegal Turn coverage up to $75
- Failure to Obey Traffic Light coverage up to $75
- Improper Lane Change coverage up to $75
- Speeding (6-10 mph over posted limit) coverage up to $75
- Speeding (11-14 mph over posted limit) coverage up to $100
- Speeding (15-18 mph over posted limit) coverage up to $150
- Speed camera violation (excludes school speed zone cameras) coverage up to $75
- Cruising (excluding street racing) coverage up to $75
- Following to Closely coverage up to $75
- Toll Violation (initial toll fee only, no additional costs or fees) coverage up to $17
- No other citation offenses covered.
Does a Ticket Affect Insurance? FAQs
Typically 22% to 36%, which often works out to $600 or more over the following year — usually more than the fine itself. The exact amount depends on your insurer, record, and state.
In most cases the surcharge lasts about three years. That's why the true cost of a ticket is far higher than the fine on the envelope.
No — no product erases points or premium hikes. But the Citation Protection Plan™ covers the fine portion of eligible tickets, cutting the total out-of-pocket cost.
Stop paying for tickets out of pocket
Join TicketGuard USA and let the Citation Protection Plan™ cover your next eligible citation.
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TicketGuard USA is not an insurance company and the Citation Protection Plan™ is not an insurance product. It is a subscription membership that pays eligible parking, traffic, and speeding ticket fines up to plan limits. “Ticket insurance” and similar phrases are used on this page only because they are the terms drivers commonly search for when they mean this kind of protection.