Traffic Tickets and Car Insurance
How speeding tickets and other moving violations change your insurance rates, and how long they count.
Not every ticket raises your insurance, but most moving violations do. How much depends on the violation, your state and your insurer, and the effect usually fades after a few years.
These guides explain what to expect after a ticket and what you can do to limit the damage.
All Tickets & Points guides
Tickets & Points
How Much Does a Speeding Ticket Raise Your Insurance?
One speeding ticket raised full-coverage premiums by 28% on average in NerdWallet's 2026 analysis. See how different violations compare and how to limit the increase.
Tickets & Points
How Long Does a Speeding Ticket Stay on Your Insurance?
Most moving violations affect your insurance for about three years, but they can stay on your driving record longer. Here is how points, records and insurer lookbacks work.