There are only a few things in life that are more frustrating than being pulled over by the police for speeding while driving. Unless the officer lets you off with a warning, you’re likely to get a speeding ticket.
According to statistics, the US traffic police issue nearly 41 million speeding tickets annually with fines ranging from $20 to hundreds of dollars. However, the consequences can easily extend from a small fine to license suspension and even jail time, depending on the state and yourdriving record,which also affect yourinsurance rates.
One of the most frequently asked questions by motorists in the US is, “How long does a speeding ticket stay on your record?” In this post, we’ll help readers understand the effects of speeding tickets on theirdriving records, status, and auto insurance.
How Long Does a Speeding Ticket Stay On Your Record?
Once a traffic officer writes a ticket for yourtraffic violation, such as speeding, it will stay on theDMV recordfor at least one year, depending on the state where the violation occurred.
For example, in California, speeding tickets are taken off your record after 39 months. But in Nebraska or Washington, they will stay on your record for five years.
On the other hand, in Colorado and Alabama, more serious traffic violations, like speeding due toDUIorreckless driving, stay on the record forever.
Speeding Tickets and Your Driver’s License
The US Department of Motor Vehicles (DMV) uses a point-based system to monitortraffic violations. However, the system is also influenced by state laws and guidelines that determine the citation severity following the incidents.
The math is simple, though — if you receive a speeding ticket, the DMV will add some demerit points to your driving record.
The number of points added and the penalties and consequences of thetraffic violationvary from state to state. Having too many demerit points can lead to temporary or permanent driver’s license suspension, depending on your speed, previous violations, or any injuries caused in case of an accident.
Speeding Ticket and Your Auto Insurance
Your age and income affect yourinsurance premium. However, one of the most important things insurance companies consider when determining your rates is yourdriving record. If you have a clean record, you can potentially save thousands of dollars annually. However, if you have a speeding ticket on your record, you’ll likely pay more.
In some cases, insurance providers might find you ineligible for their plans due to your high-risk status. To determine your risk level, these companies will assess your entiredriving record,including accidents, tickets, DUIs,reckless driving, and other incidents.
The more severe yourtraffic violation, the higher your premiums will be. For example, if you face license suspension, many companies can decline to write your policy, and you’ll be stuck with limited options that specifically deal with high-risk drivers.
Speeding Ticket Rules and Limits in the Different States
Speeding tickets are issued to drivers who violate speed restriction laws while driving. Generally, every state follows two-speed restriction law types:
- Laws Specifying Maximum Speed Limits
Depending on the infrastructure and pedestrian traffic in a particular area, the state may declare maximum speed limits for highways (usually 65 mph) and school zones (usually 25–30 mph).
- Laws Requiring Drivers to Operate Their Vehicles at a Speed That Is Reasonable Under the Circumstances
For example, even if the max speed limit on a rural highway is 65 mph, you should try keeping it way under this limit during rainstorms and high winds, which can disrupt vision, cause distractions, or lead to damage by debris. This can also potentially result in a speeding ticket since your actions can pose a threat to other drivers.
Absolute Speed Limits
Absolute speed limits are the most important speed laws drivers have to follow. For example, if a traffic sign states 60 mph, exceeding this limit will result in atraffic violation.
Presumed Speed Limits
Many states around the country, such as Texas, allow drivers to drive over the specified speed limit as long as they’re driving safely. However, this doesn’t mean drivers should drive 40 mph in a 35-mph zone. It might be legal, but that is for the officer to decide if they pull you over, as these violations are more nuanced.
However, if it’s a clear, sunny day with little or no traffic on a highway, you can convince the judge that you were driving safely, given the conditions.
The Basic Speed Law Theory
This theory states that an officer can issue you a ticket even if you were driving under the speed limit due to the driving conditions at that moment. For example, if you were doing 30 mph on icy roads, an officer could decide that you were going much faster than you should’ve been.
Here’s a list showing how long a speeding ticket will stay on your record in different states, along with the action/penalties taken:
|State||Time||Fines/Jail Time||License Actions|
|Alabama||Permanent Record of Incident (Points Removed After 2 years)||First Offence - $100/10 DaysSecond Offence - $200/30 DaysThird Offence - $300/3 Months||Suspension or Revocation|
|Alaska||1 Year||Fine of $300||Suspension or Revocation|
|Arizona||1 Year||Basis Speeding - $250 MaxExcessive Speeding - $500/30 Days||Suspension or Revocation|
|Arkansas||3 Years||First Offence - $100/10 DaysSecond Offence - $200/20 DaysThird Offence - $500/6 Months||Suspension By Court Order or Point System|
|California||3 Years & 3 Months||First Offence - $100Second Offence - $200Third Offence - $250||Suspension|
|Colorado||Permanent Record of Incident||Fine of $15–$100||Suspension Through a Point System|
|Connecticut||3 Years||Fine of $35–$90||Suspension or Revocation|
|Delaware||2 Years||First Offence - $25–$75Subsequent Offences - $57.50–$95||Suspension|
|Florida||5 Years||Fine of $25–$250||Suspension or Revocation Through a Point System|
|Georgia||2 Years||Fine up to $500||Suspension Through a Point System|
|Hawaii||10 Years||First Offence - $200Second Offence - $300Third Offence - $500||Court-Ordered Suspension|
|Idaho||3 Years||Fine up to $300||Suspension Through a Point System|
|Illinois||5 Years||Fine up to $1,000 or $1,500/30 Days in Case of a Class C Misdemeanor||Suspension or Revocation After Three Traffic Violations Within a Year|
|Indiana||2 Years||Fine up to $1,000||Suspension|
|Iowa||Up to 5 Years||$65–$625/30 Days||Suspension|
|Kansas||3 Years||Up to $500||Revocation, Restriction, or Suspension|
|Kentucky||5 Years (Points Removed After 2 Years)||$60–$100 (Doubling Fines in School Areas)||Suspension or Revocation|
|Louisiana||3 Years||First Offence - $175/30 DaysSubsequent Offences - $500/90 Days||Revocation, Cancellation, or Suspension|
|Maine||1 Year||Fine of $25–$500||Suspension or Revocation|
|Maryland||3 Years||Fine up to $500||Suspension|
|Massachusetts||6 Years||Not less than $50 + $10 on Every Additional 10 Mph Above Limit||Suspension or Revocation|
|Michigan||7 Years||Depends on the Number of Mph Above Limit||Suspension Through a Point System|
|Minnesota||5-10 Years||$300 or $1,000/90 Days||Suspension or Revocation|
|Mississippi||1 Year||First Offence - $100/10 DaysSecond Offence - $200/20 DaysThird Offence - $500/6 Months||Suspension|
|Missouri||3 Years||$400 (20 Mph Over the Speed Limit) or $1,000/6 Months||Suspension or Revocation Through a Point System|
|Montana||Permanent Record of Incident (Points Removed After 3 years)||Up to 10 Mph Above - $4011–20 Mph Above - $7021–30 Mph Above - $12031 Mph Above - $200||Suspension or Revocation Through a Point System|
|Nebraska||5 Years||1–5 Mph - $106–10 Mph - $2511–15 Mph - $7516–20 Mph - $12521–35 Mph - $20036 Mph or More - $300||Revocation Through a Point System|
|Nevada||Permanent Record of Incident (Points Removed After 1 year)||$1000/6 Months||Suspension Through a Point System|
|New Hampshire||3 Years||1–10 Mph - $5011–15 Mph - $7516–20 Mph - $10021–25 Mph - $20026 Mph or More - $350||Suspension by Court Order or Revocation for Three Annual Offences|
|New Jersey||5 Years||$50–$200/15 Days||Suspension Through a Point System|
|New Mexico||1 Year||$15–$200||Suspension Through a Point System|
|New York||1.5 Years||1–10 Mph - $45–$15010–30 Mph - $90–$300/15 DaysOver 30 Mph - $180–$600/30 Days||Suspension or Revocation|
|North Carolina||3 Years||$100||Suspension|
|North Dakota||3 Years||Depends Upon Exceeded Mph||Suspension Through a Point System|
|Ohio||Permanent Record of Incident (2 Years Towards Suspension)||First and Second Offence - $150Third Offence - $250/30 DaysSubsequent Offences - $500/60 Days||Suspension Through a Point System|
|Oklahoma||1-3 Years||1–10 Mph - $511–15 Mph - $2016–20 Mph - $3521–25 Mph - $7526–30 Mph - $13531–35 Mph - $15536 Mph and More - $205||Suspension|
|Pennsylvania||1 Year||$42.50 Upon Exceeding 65 Mph$35 for Speeding Violations||Suspension Through a Point System|
|Rhode Island||3 Years||1-10 Mph - $95>11 Mph - >$250||Suspension or Revocation|
|South Carolina||2 Years||1–10 mph - $15–$2511–14 mph - $25–$5015–24 mph - $50–$7525 mph and over - $75–$200||Suspension Through a Point System|
|Tennessee||2 years||$50/30 Days||Suspension Through a Point System|
|Texas||3 years||Up to $200||Suspension or Revocation Through a Licensing Agency|
|Utah||3 Years||1–10 Mph - $17011–15 Mph - $22016–20 Mph - $32021–25 Mph - $47026–30 Mph - $67031 Mph and Over - $870||Suspension Through a Point System|
|Vermont||2 Years||Up to $1,000||Suspension or Revocation Through a Point System|
|Virginia||5 Years||$6 for Each Mile Over the Speed Limit||N/A for Speeding|
|Washington||5 Years||Up to $250||Suspension Based on Violation Frequency|
|West Virginia||5 Years (Points Removed After 2 Years)||First Offence - $100Second Offence - $200Third and Subsequent - $500||Suspension Based on Violation Frequency|
|Wisconsin||5 Years||$30–$300||Suspension by Courts|
|Wyoming||1 Year||Depends on Mph Above Limit||Suspension|
|Washington, D.C||2 Years||$75–$300||Suspension or Revocation Through a Point System|
What Kind of Tickets Affect Your Insurance?
If you’ve been caught speeding or got any other traffic ticket, you can face steep penalties from your auto insurance company. How much you’ll have to pay depends on your state laws, the severity of the violation, and the damages.
Thetraffic violationthat causes the biggest impact oninsurance ratesis a hit and run. Negligent drivers can pay up to 82% more for premiums following the incident.
Here are other kinds of tickets that can affect your insurance:
- Refusal of Breathalyzer
- Speeding in a School Zone
- Driving too Slowly
- Distracted Driving/Cell Phone Violation
- Driving with a Suspended License
- At-Fault Accident
- Driving with an Open Container
- Driving Under the Influence
- Reckless Driving
- Operating a Vehicle Without Permission
- Driving with Expired Registration
- Failure to Show Documents
- Failure to Use Child Safety Restraint
- Driving Without Lights
- Failure to Wear a Seat Belt
- Passing a School Bus
- Improper Passing
- Following too Closely
- Illegal Turn
- Driving Wrong Way/Wrong Lane
- Failure to Yield
What Doesn't Impact Your Insurance?
Most insurers only assess yourdriving recordformoving violations, such as infractions or accidents that occur due to speeding. For instance, aparking ticketwon’t affect your premium.
However, not all speeding tickets have the same impact on yourinsurance premium. Some tickets can cause a significant increase in rates. For example, any overturned or expunged tickets from yourdriving recordwill influence your rates, no matter when the incident occurred.
How to Save On Insurance After a Speeding Ticket
Insurance companies typically consider violations on yourdriving recordfor at least three years following the infraction. This is why you shouldcompare car insurancecompanies in your city or state so you can find the best option.
While your rates will undoubtedly increase after a speeding ticket, there are steps you can take to save on insurance:
- Shop Around
Every insurer determines a different percentage increase in rates after a ticket. If your insurance company decides to increase your rates, this is an opportunity to look for another provider that can offer better premiums.
- Avoid MoreMoving Violations
The last thing you need is to add more traffic violations on top of your existing speeding tickets, especially more severe violations like DUIs or hit and runs. Not every insurance company will increase your premium after a single speeding ticket, but if it becomes a pattern, they might not let you off the hook in the future.
- Go for aDefensive Driving Course
Leading auto insurance companies like Geico and State Farm offer this great program for customers. By taking adefensive driving course, you can lower your insurance rates. Additionally, drivers in New York can avail of a 10% discount for three years after completing the course.
- Change Your Coverage Plan
If you can’t afford your plan any longer after the infraction, you can save money by switching to the minimum coverage plan, at least temporarily, until you become financially stable. This way, you can continue to drive legally as per your state laws.
However, this might not be possible for drivers with car loans or leases since most lenders require them to carry collision and comprehensive coverage to minimize their liability.
When should you drop collision coverage on your car?Once you’ve talked to your lender or paid off the loan or lease.
- Contest the Ticket
If you think you didn’t deserve a ticket or were speeding due to a legit emergency or situation, you can contest it in court. You might not win, but if you do, your insurer can’t legally hold that ticket against you while assessing your record.
- Simply Delay
When you receive a ticket, you’ll get a court date at least a few weeks or months away. You can ask for a continuance to extend the date for almost a year. At this time, the officer that issued the speeding ticket can resign, be fired, retire, or get transferred. When this happens, you can ask the court to dismiss your case. This is a rare occurrence. However, if you’re fighting a heavy fine, it’s an option you can consider to save on insurance.
- Consider Mitigation
If you have a gooddriving recordand haven’t gotten a ticket in years, you can ask the court for mitigation. This might not clean your record. However, it could help lower the fine. All you have to do is plead guilty and explain your circumstances to the judge. For example, if you had a medical emergency and had no choice but to speed, the judge can dismiss or at least lower the fine. Or, if you run a red light by 2/10thof a second, the judge could excuse the fine.
Your best bet to keep a ticket off your record is to fight and get the fine either reduced or dismissed. Unfortunately, 95% of drivers pay the fines thinking to get it over with and end up paying higher premiums in the long run.
So, if you’re still wondering, “How long does a speeding ticket stay on your record?” don’t. Instead, use the time you have to either fight the ticket or improve yourdriving record,especially in states where the ticket stays on the record for over a year. And most importantly, avoid speeding at all costs to save yourself from financial and emotional stress in the future.
How Can I Get a Speeding Ticket off Record?
There are several ways to get a speeding ticket off your record. The most straightforward one is to contest the ticket in court or contact the clerk of court. Other ways include taking a defensive driving course or opting for mitigation.
What Is the Best Auto Insurance Company if I have a Speeding Ticket?
Almost every auto insurance company works with drivers who have speeding tickets on their driving records. However, insurers might not offer good premium rates for high-risk drivers. Hence, you should consider companies like USAA, State Farm, and American Family Insurance because they offer great premiums for drivers with different infractions on their driving records.
How Can I Save On Auto Insurance With a Speeding Ticket?
The fastest way to save on auto insurance with a speeding ticket is to look for a cheaper insurance company. Or, if you have the time, you can take a defensive driving course, which will help dismiss your speeding ticket and keep your premium rates low.
In Georgia, points remain on a driver's record for two years. However, they drop off at the two-year mark from the exact date each point was added. That means if you receive more than one ticket at different times, some points may come off sooner than others.How many points is a speeding ticket in GA? ›
A Super Speeder violation in Georgia will result in a fine of $200. You will see an increase in your insurance rates at renewal if you are ticketed for going 30 mph over the speed limit. If you're convicted under the Super Speeder law, the violation will stay on your record for about 35 months or under three years.Is 3 points on license bad in GA? ›
Drivers under age 21 will lose the right with four or more points, whereas adult drivers are permitted 15 points in a 24 month period before they suffer a suspension.How much is a 20 mph over speeding ticket in Georgia? ›
$125 for driving > 14 mph over < 19 mph over the speed limit. $150 for driving > 19 mph over < 24 mph over the speed limit. $500 for driving > 24 mph over < 34 mph over the speed limit.How do I remove points from my license in GA? ›
How do I reduce points on my Georgia driver's license? Up to 7 points can be reduced once every 5 years. In accordance with rule O.C.G.A §40-5-86. To qualify for a Points Reduction, you must successfully complete a certified Driver Improvement (defensive driving) course.How much is a 25 mph over speeding ticket in Alabama? ›
|Speeding – less than 25 mph over posted speed limit||$179|
|Speeding – 25 mph or more over posted speed limit||$199|
|Stopping on highway||$189|
|Violating driver's license restriction or endorsement||$219|
1. What is Super Speeder? Georgia's 'Super Speeder Law' defines a Super Speeder as a driver convicted of speeding at 75 mph or more on a two-lane road or at 85 mph and above on any road or highway in the State of Georgia.How long do points stay on your license in Georgia? ›
In Georgia, points remain on a driver's record for two years. However, they drop off at the two-year mark from the exact date each point was added. That means if you receive more than one ticket at different times, some points may come off sooner than others.Do traffic tickets go away in Georgia? ›
Be forewarned that though points may recycle over a period of time, a violation on your driving record DOES NOT go away, get “wiped clean”, or roll-off in the state of Georgia. Once it's paid and recorded, it stays on your record.
Super Speeders are drivers ticketed for traveling 75 mph or faster on a 2-lane road or 85 mph or faster on other roads or highways. Any Georgia residents or out-of-state drivers convicted of the speeding offense will receive a notification in the mail.Is 75 in a 55 a super speeder in Georgia? ›
75 MPH in a 55 zone (2 lane road) = Super Speeder. 85 MPH in a 55 zone (highway) = Super Speeder. 85 MPH in a 60 zone (highway) = Super Speeder. 85 MPH in a 65 zone (highway) = Super Speeder.How do I get a speeding ticket dismissed in Georgia? ›
If you plead “not guilty,” the court will schedule a trial. If you win the trial, you will have effectively cleared the ticket and any points from your driving record, as well as avoid a potential increase in auto insurance rates.How much does 2 points affect insurance in GA? ›
Does removing points lower insurance? Two points will increase a driver's insurance costs by about 20 percent to 100 percent depending on the state, insurance company and violation.Does defensive driving remove points in GA? ›
Benefits of Defensive Driving Course GA
"If you have points on your license, going to a defensive driving course can erase seven points from your license," says Kirk Brisette, Ph. D., CEO and co-founder of DriveSmart Georgia. "This can only happen once every five years.
According to Georgia law, you are allowed 15 points on your license in a 24-month period before it gets suspended.Does 2 points affect your insurance in GA? ›
Two points will increase a driver's insurance costs by about 20 percent to 100 percent depending on the state, insurance company and violation.What does 4 points on your license mean in GA? ›
The Points Schedule For Georgia Traffic Violations Are As Follows: Speeding 14 mph or less = 0 points. Speeding 15-18 mph = 2 points. Speeding 19-23 mph = 3 points. Speeding 24-33 mph = 4 points.How long does it take for points to fall off your license GA? ›
In Georgia, points remain on a driver's record for two years. However, they drop off at the two-year mark from the exact date each point was added. That means if you receive more than one ticket at different times, some points may come off sooner than others.