How Much Will a Speeding Ticket Raise My Insurance with Geico?

Getting a speeding ticket can be a stressful experience, not just because of the fine you’ll need to pay, but also because it can potentially impact your car insurance rates. If you’re a Geico policyholder and have recently received a speeding ticket, you might be wondering how much it will affect your insurance premiums. In this article, we’ll delve into the details of how speeding tickets can impact your Geico insurance rates and what you can expect.

Understanding Insurance Premiums

1. What Are Insurance Premiums?

Insurance premiums are the regular payments you make to your insurance company to maintain coverage for your vehicle.

2. How Are Premiums Calculated?

Premiums are calculated based on various factors, including your driving history, the type of vehicle you drive, your location, and more.

Factors That Influence Rate Increases

1. Driving Record

Your driving record is a significant factor in determining your insurance premiums. Any traffic violations, including speeding tickets, can lead to rate increases.

2. Type of Violation

The severity of the violation matters. Speeding tickets are generally categorized based on how much over the speed limit you were driving.

3. Frequency

Receiving multiple speeding tickets within a short period can result in more substantial rate increases.

Geico’s Policy on Speeding Tickets

Geico, like most insurance companies, considers speeding tickets as a risk factor. When you receive a speeding ticket, Geico will typically review your driving record to assess the impact on your premiums.

How Much Can You Expect Your Premiums to Increase?

The exact increase in your insurance premiums after a speeding ticket depends on several factors, including:

  • The severity of the violation (how much over the speed limit you were)
  • Your previous driving record
  • Your location
  • Your policy details

On average, a single speeding ticket can lead to a premium increase of about 20-30%. However, this can vary significantly.

Ways to Mitigate Rate Increases After a Speeding Ticket

  1. Defensive Driving Courses: Some states offer defensive driving courses that can remove points from your driving record or be used as evidence to show your commitment to safe driving.
  2. Clean Driving Record: Maintaining a clean driving record in the years following the ticket can help reduce the impact on your premiums.
  3. Shop Around: Consider shopping for other insurance providers to see if you can find a more affordable rate after a speeding ticket.
  4. Speak to Geico: Contact Geico to discuss your options. They may offer discounts or advice on reducing the impact of the ticket.


Receiving a speeding ticket can result in increased insurance premiums with Geico, but the exact amount can vary. It’s essential to drive safely, maintain a clean driving record, and explore options to mitigate the rate increase if you find yourself in this situation.

FAQs (Frequently Asked Questions)

1. How long will a speeding ticket affect my insurance rates with Geico?

Speeding tickets generally stay on your driving record for about three to five years, but the exact duration can vary by state and insurance company.

2. Will Geico drop me after a speeding ticket?

Geico typically does not drop policyholders for a single speeding ticket. However, if you have a history of multiple violations, they may reconsider your coverage.

3. Can I remove a speeding ticket from my driving record?

In some cases, you may be able to attend a defensive driving course to remove points from your record or negotiate with the court. However, the ticket itself will likely remain on your record.

4. Are there discounts available for safe driving with Geico?

Geico offers various discounts for safe driving, including good driver discounts. Maintaining a clean driving record can help you qualify for these discounts and offset rate increases.

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