Speeding Ticket Insurance
Speeding ticket insurance, decoded — what it is and how to actually get your fines paid.
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.
Speeding tickets are the most expensive kind of citation for most drivers once you factor in the insurance hike — so it's no surprise “speeding ticket insurance” is a top search. Here's the real answer.
Compare your options: read Auto Ticket Insurance and Traffic Ticket Insurance, or see exactly how the Citation Protection Plan pays your eligible fines directly.
Is There Insurance for Speeding Tickets?
No traditional insurer sells a policy that pays your speeding tickets — and getting one usually raises your auto premium instead. The Citation Protection Plan™ is what actually fills that gap: a speeding ticket protection plan that pays your eligible fines for a flat monthly price.
It's not insurance, but it does the job people want ticket insurance to do: it covers the fine so a lead foot doesn't blow up your budget.
Why Speeding Tickets Cost More Than the Fine
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.
Younger drivers get hit hardest: drivers aged 18 to 25 receive roughly 28% of all speeding tickets despite being a much smaller share of licensed drivers. For that cohort especially, a speeding ticket protection plan turns a recurring, unpredictable expense into one flat monthly cost.
How to Protect Yourself From Speeding Tickets
You can't insure your way out of a heavy foot, but you can stop letting fines drain your account. Start a Citation Protection Plan (Standard $19.99/month or Premium $29.99/month, 30 days free), keep it active, and submit any eligible speeding citation through your account. Once approved, we pay the fine directly.
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.
Speeding Ticket Insurance FAQs
Not as a traditional policy. The Citation Protection Plan™ is the real-world equivalent — a subscription that pays your eligible speeding, traffic, and parking ticket fines for a flat monthly fee.
About $150 for the fine alone nationally, before court costs and surcharges — and a single moving violation can raise your insurance 22% to 36%, often adding $600 or more over the next year.
Yes. Eligible speeding ticket fines are covered nationwide, up to your plan limits, in all 50 states.
Stop paying for tickets out of pocket
Join TicketGuard USA and let the Citation Protection Plan™ cover your next eligible citation.
Related Ticket Protection Guides
Ticket Protection Near You
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.