How Speeding Affects Your Insurance in Massachusetts

A speeding ticket increases the average cost of auto insurance in Massachusetts by 31%, according to Bankrate’s 2021 study of annual listed premiums. Indeed, speeding and accidents often go hand in hand. Speeding could put you at more accidents and more serious accidents than drivers who exceed the speed limit. Even so, speeding tickets are relatively common. Understanding how a speeding ticket in Massachusetts could impact your auto insurance rates could help you better prepare if you’re cited for speeding.

How much does a speeding ticket cost in Massachusetts?

How much does a speeding ticket cost in Massachusetts? Although some general guidelines exist in Massachusetts law, the exact cost of your ticket will depend on the circumstances.

Massachusetts Fees $ 50 plus $ 10 for every mile over the speed limit, plus an additional fixed fee of $ 50. If you are cited for driving 50 miles per hour (mph) in a 35 mph zone, you will likely pay a fine of $ 200 plus the fixed fee of $ 50 for a total of $ 250.

In addition, Massachusetts employs a “Insurance plan for safe driving”, Which is essentially a points-based system that tracks both good and bad driving behavior. However, insurance companies are not required to use the system. A speeding ticket in Massachusetts can be considered a minor traffic violation and will generally add 2 points to your SDIP record. The exact number of points, however, may depend on your speed; higher speeds could be considered more dangerous and therefore classified differently.

How much does a speeding ticket increase your auto insurance in Massachusetts?

According to the National Highway Traffic Safety Administration (NHTSA), speeding has killed 9,478 people across the United States in 2019 and was a contributing factor in 26% of all traffic-related deaths. Nevertheless, speeding tickets are on the rise. The Insurance Institute for Highway Safety (IIHS) notes that highways and highways have experienced a 14% increase in speed, and all other roads an increase of 15%. Because speeding is risky behavior, auto insurance companies usually increase premiums accordingly if you have one or more tickets on your driving record.

Average annual premium for full coverage

Price before speeding Rate after speeding % to augment
$ 1,223 $ 1,602 31%

According to Bankrate research, the average cost of insurance in Massachusetts increases by 31% after a single speeding ticket. The increase you see, however, may be more or less depending on the severity of your speeding and your driving history.

How to Reduce Your Auto Insurance After Speeding in Massachusetts

While you will likely see an increase in your premium after receiving a speeding ticket, you may be able to lower your bill. Knowing what methods to use to get cheaper insurance could help you better prepare for the financial impact of your citation.

Get quotes from other auto insurance companies

Shopping around and getting quotes from the best Massachusetts automakers could help you find a lower rate. Most providers charge for speeding tickets, but some don’t penalize as heavily as others. The table below shows the average cost of auto insurance before and after a speeding ticket from some of the largest auto insurance companies in Massachusetts.

Average annual premium for full coverage

Auto insurance company Price before speeding Rate after speeding
Allstate $ 1,312 $ 1,332
Amica $ 1,398 $ 1,618
Geico $ 1,026 $ 1,166
Progressive $ 1,749 $ 2,413
Travelers $ 1,936 $ 2,508

* Premiums are the average annual premiums for full coverage for people 40 years of age

When purchasing auto insurance, you may want to pay close attention to customer satisfaction scores (like those from JD Power), financial strength ratings (like those from AM Best), and reviews. customers online. These could help you decide if a business is right for your needs.

Increase your deductible

If you have full coverage, you have both a full deductible and a collision deductible. These auto insurance deductibles are the amount you will pay out of pocket if you file a claim for damage to your vehicle. If you’re willing to pay more of a claim, you can increase one or both of the deductibles, which usually lowers your premium. Just make sure you can afford whatever level of deductible you choose.

Benefit from discounts

Most providers offer a variety of discounts on auto insurance. You could save money by getting rid of paper, paying in full, or having certain security features on your car. One of the biggest discounts is the bundle discount, which saves you money when you insure two different types of policies with the same company. The most common package is home and auto, but you can also save money if you bundle your auto and home insurance or add other product lines, like life insurance or pet insurance.

Think about your vehicle

The make and model of your vehicle affects the amount you pay for auto insurance. Some cars are more expensive to repair or replace or may have a higher accident risk and therefore cost more to insure. While buying a different car might not be the most convenient way to lower your premium, it could be an option if you are already shopping for a different vehicle.

Other considerations for speeding tickets

Massachusetts doesn’t take speeding lightly. If you receive three or more speeding tickets in a 12-month period, your the license could be suspended. No matter how many speeding tickets you get or how often, you will likely be fined and you may need to go to court.

Frequently Asked Questions

What is the best auto insurance company for speeding drivers?

The best auto insurance company after getting a speeding ticket will depend on your own assessment factors as well as your needs and wants. The best company for someone with a speeding ticket may be different than the best company for someone with multiple tickets. Plus, the types of coverage, discounts, policy features, and company attributes you’re looking for will impact your decision. Getting quotes from multiple companies can help you decide which one is right for you.

How much does your insurance increase after speeding?

Our research found that Massachusetts drivers see an average 31% increase in their auto insurance premiums after speeding. Remember that there are other factors that influence the cost of auto insurance in addition to your driving history. Your age, the type of car you drive, and the types of coverage you choose will all affect the amount you pay.

How long will I be charged for speeding?

Most insurance companies charge speeding tickets for three to five years after the date of the ticket. However, this period of time is entirely dependent on the company; you can be overtaxed for a longer or shorter period. Changing companies does not mean that a speeding ticket will no longer be charged; insurance companies can see your driving history, even with old insurers, when they run their reports to assess your policy.


Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record , good credit and the following comprehensive coverage limits:

  • $ 100,000 of civil liability for bodily injury per person
  • $ 300,000 liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used a minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

These are sample rates and should only be used for comparison purposes.

Incidents: The rates were calculated by evaluating our basic profile with the following incidents applied: clean criminal record (basic), simple speeding.