How Much Will a Ticket Raise My Insurance? Surcharge Estimator
A ticket or accident doesn't cost what the fine says — it costs what your premium does for the next several years. This uses published national-average surcharge ranges to size that, and explains why comparing quotes matters most right after a violation.
Your numbers
On a $1,800/yr premium, a minor speeding (under ~15 mph over) typically adds about $360–$450 a year — roughly $1,080–$1,350 over 3 years.
- Typical 3-year cost
- $1,080 – $1,350
- Estimated increase per year
- $360 – $450
- National-average surcharge band
- 20% – 25%
- Violation
- Minor speeding (under ~15 mph over)
How we calculated this
- National-average surcharge band for this violation: 20–25% of the current premium.
- Applied for 3 years with no other rate changes (no inflation, no other tickets, no discounts gained or lost).
- Surcharges typically stay on your rate for about 3 years — confirm your state's points lookback and your carrier's own surcharge schedule, which can be longer.
- Many carriers offer first-ticket forgiveness or a defensive-driving discount that offsets part of a minor violation — ask before renewal.
- The surcharge lands at your next renewal, not the day of the ticket, and a violation is also when carriers re-shop most differently — comparing quotes matters most here.
Is your premium competitive?
Your carrier re-prices you every renewal. A 60-second check shows whether your rate is in line — no account, and nothing changes on your policy.
Estimates for education only — not a quote, not insurance or financial advice. Rates depend on your carrier and state.
CarCoverage Basics is an informational website and advertising-supported lead-generation service. We are not an insurance agency, broker, or carrier, we do not sell insurance, and we do not guarantee any quote, rate, or coverage. Availability, rates, and eligibility vary by state and insurer.