Every state · insurance impact
The fine is the small number.
A first minor speeding ticket raises full-coverage premiums about 23% on average, roughly $525 a year, and it rides your rate for 3 to 5 years. That is over $1,500 on top of whatever the court charged. The numbers below are from named, dated studies, and the legal notes are from the statutes.
Where's your license from?
Your home state's rules and rates control, wherever the ticket happened.
The Zebra's 2025 national analysis prices a first speeding ticket at +23.2% (~$590/yr). The same stop written as reckless driving: +70.4% (~$1,790/yr). DUI: +73.9%. Within the "speeding" bucket, going from 10-over to 30-over only adds a few hundred dollars a year; it is the violation CLASS that triples the damage. That is exactly why the fight-or-negotiate decision on a borderline reckless charge is worth real money.
- Nothing happens the day you pay. The increase lands at your next renewal, when the insurer re-pulls your motor vehicle record, and it re-prices you for the next 3 to 5 years. Progressive
- Insurers price off the record, so a ticket that never posts as a conviction never raises anything: Texas's dismissal course, California traffic school masking, Illinois court supervision, Florida's BDI point avoidance. This is the actual money math behind "just take the course."
- Three of our states restrict first-ticket surcharges outright (FL and NY at 15 or less over, PA until a second conviction in 36 months). None of that makes you bulletproof: tier moves and lost discounts are legal levers, so the only clean outcome is keeping the record clean.
LendingTree/Quadrant (rates pulled Oct 3, 2025) · ValuePenguin (June 2026) · The Zebra 2025 violation table (republished) · Progressive on renewal mechanics · statutes as cited on each state playbook. Studies disagree (one Aug 2026 study runs 2 to 4 times higher for TX and NJ under a different scenario); we name one study per number instead of blending. All figures are full-coverage averages for a modeled first-offense driver.