How Much Does Insurance Go Up After a Ticket?
The real number — and the part of the cost you can actually control.
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.
Everyone wants a single dollar figure. The honest version is a range — here's the range, what drives it, and the piece of the bill you can remove.
Compare your options: read Auto Ticket Insurance and Traffic Ticket Insurance, or see exactly how the Citation Protection Plan pays your eligible fines directly.
The Real Range: 22% to 36%
After one ticket, most drivers see their auto insurance premium rise about 22% to 36%. In dollar terms that's frequently $600 or more added over the following year, and because the surcharge usually lasts around three years, the cumulative hit can run well into the thousands.
Your exact increase depends on your insurer, your prior record, your state, and how serious the violation was. A first minor speeding ticket lands at the low end; multiple or serious violations push toward the top — or higher.
The Full Cost of a Ticket
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.
Add it up and a single ticket is really three costs stacked together: the fine, the multi-year insurance surcharge, and the time lost dealing with it. The fine is the one piece you can hand off entirely.
Removing the Fine From the Equation
The Citation Protection Plan™ pays your eligible parking, traffic, and speeding ticket fines for a flat monthly price. It won't lower the insurance surcharge — nothing does that after the fact — but it takes the fine off your plate and makes your ticket costs predictable. Standard $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
Get Protected Today
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.
How Much Does Insurance Go Up? FAQs
About 22% to 36% for most drivers — often $600 or more over the next year, and typically lasting around three years.
Yes. Your insurer, prior record, state, and the severity of the violation all affect the size of the increase.
The fine. A Citation Protection Plan™ pays eligible ticket fines for a flat monthly price, removing that portion of the cost and making it predictable.
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.