WalletHub, Financial Company
@WalletHub
A speeding ticket will stay on your record for five years or less in most states. Some states require a speeding ticket to stay on your driving record for longer, but most insurance companies will still only take the last 3-5 years into consideration when calculating your premium.
For example, a speeding ticket in Hawaii will stick with you for 10 years, and in Montana it will be on your record forever. But having an old speeding ticket on your record won’t hurt you long-term. Once it’s beyond your insurer’s lookback period, it won’t affect your premium anymore.
It’s important to remember that every insurance company has its own polices on how far back it looks on customers’ driving records, so be sure to check with your insurer to know exactly how long your speeding ticket will affect your premium. If you previously qualified for a good driver discount, you can also ask how long it will be before you can requalify. For example, American Family Insurance requires you to have a clean record for five years before you can receive the discount.
People also ask
What happens when you get your first speeding ticket?
When you get your first speeding ticket, your driving record will take a hit and you might see your car insurance rates increase. A speeding ticket could also cost you extra money in fines and court fees, depending on how fast you were going and if you decide to fight the charge.
Even though the financial impact of a speeding ticket can be frustrating, your driving record and insurance premium will eventually recover if...
read full answerHow far back does insurance check your driving record?
Most insurance companies check your driving record for the past three to five years, meaning if you had a violation outside this time period, it will not affect your insurance premiums. Some states regulate this “look-back” period, however, making it longer or shorter. For example, Massachusetts allows insurance companies to look back at 10 years of driving records. Virginia limits insurers to checking only three years of history.
When you apply for, or renew,...
read full answerHow far back does Progressive look at your driving record?
Progressive looks back at three years of your driving record while calculating premiums. So if you are getting a quote from Progressive and have a moving violation from four years ago, it will not affect your base rate. However, even after three years, an accident or DUI could disqualify you from certain savings, like a good driver discount.
In California, for example, a DUI will remain on-record for 10 years, while in...
read full answerDid we answer your question?