What Traffic Tickets Affect Insurance

Speeding tickets may increase the amount you pay for car insurance. Speeding tickets are considered part of your driving record. Insurance companies can check your driving record, and they may use the information to help determine your risk of having an accident or making an insurance claim.

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No matter where it happens, a speeding ticket will likely lead to an increase in your insurance rates. Most tickets won't impact your rates for more than three years, but your rates may increase for up to 10 years if you were traveling more than a few miles an hour over the speed limit.

While it may vary from company to company, often a speeding ticket won't have an immediate effect on your insurance rates. This happens because most insurance companies do not look at your driving record every month, but do so when your contract is initially purchased or renewed.