USAA car insurance premiums go up by an average of 9% after a speeding ticket, according to WalletHub’s analysis. The exact amount that a driver’s rate will go up after a ticket depends on a few factors, including their state, how fast they were going, and their previous driving history.
For example, a speeding ticket will cause your USAA rate to go up by 34% in Montana, compared to only 6% in Hawaii. And if you’ve received other tickets within the past few years, you’ll face higher penalties than first-time offenders because USAA may consider you a high-risk driver.
The good news is that a speeding ticket will only affect your USAA insurance for 3-5 years, depending on your state. In the meantime, there are steps that you can take to lower your rate. For example, you may be able to take a defensive driving class to remove the ticket from your record. You can also lower your coverage or check USAA’s discounts to see what you can qualify for.
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