Minnesota speeding tickets aren’t just easy to hit your bank account. Fees vary depending on how fast they are, but fines usually cost at least $100 to reach 10 mph above the limit. However, actual financial stimuli often appear later. State premiums rise by 22% on average after a single speeding violation. Whether that’s your first ticket or not, understanding how a quote affects your fees is key to minimizing long-term damage.
How much will your insurance increase after a speeding ticket in Minnesota?
On average, Minnesota car insurance premiums increase by 22% after speeding tickets. This is $49 per month, or $587 per year, and is added to your premium for one violation. And for younger drivers, the effects can be even more painful. An 18-year-old with tickets on the record could see an increase of over $1,200 a year.
The fees usually don’t increase when you update until your insurance company checks your driving history. And while speeding tickets play a role in that increase, it’s just one part of the puzzle. Things like your age, driving experience, vehicle type and overall driving record are all factors about how much your premium will rise.
| Driver Profile | Average annual full coverage premium |
|---|---|
| Clean Record | $2,613 |
| Adult driver, single speeding ticket | $3,200 |
| 18 years old, clean record | $6,950 |
| 18 years old, single speeding ticket | $8,230 |
How speeding tickets for real drivers in Minnesota affected insurance
Speeding tickets can be a wake-up call, especially for younger drivers, and the way they handle them can make a big difference in the way tickets affect you.
One 17-year-old Minnesota teen shared it on Reddit. Like many young drivers, they were concerned about not only their records but the possibility that tickets could affect the overall household’s premiums. The fellow redditors cried out with some advice.
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Take it home? Especially by fighting or negotiating tickets as a first-time criminal, you can prevent your insurance from surge in a lot, and even prevent it from rising at all.
How much insurance does Minnesota speeding tickets have?
In Minnesota, speeding tickets usually stay on driving records for five years. However, when it comes to premiums, the impact usually doesn’t last very long. Most car insurance companies consider mobility violations, such as speeding, for 3-5 years. And financial stab wounds tend to be the strongest in the first few years after the quote.
The good news is that the insurance surcharge associated with tickets often decreases over time, especially if you maintain a clean driving record for the future. However, that doesn’t always mean your overall premium will go down. Insurers recalculate premiums on all updates using a mix of factors such as age, location, claim history, and even vehicle changes. So it’s wise to compare quotes from different carriers regularly, especially while waiting for tickets to roll off records.
How to avoid increased insurance after speeding tickets in Minnesota?
If you hit a speeding ticket, a rate hike may feel inevitable. In most cases, that’s true. But not all hope is lost. Whether the impact can be reduced or avoided completely depends on what you do next. Even if tickets are stuck, there are still ways to minimize the financial fallout in car insurance.
Try to keep your speeding ticket from your driving record
For first-time offenders, it may be possible to ease or eliminate the impact of your ticket before you reach your insurance. As we saw on Reddit Feed, many Minnesota drivers have worked with the courts to negotiate citations to match in-moving violations or take other steps to maintain full records. Options vary by county, but if you have a clean driving history, you may have more leverage than you think.
Here are some strategies Minnesota drivers might consider:
- Go to court: In some cases, a claim may be reduced if it appears in court and demonstrates liability.
- Ask about Continued Dismissal (CFD): Some counties offer this option. Here, if you maintain the violation for a set amount of time, your ticket will be rejected.
- Take a defensive driving course: Voluntary completion of a traffic school may help you negotiate better results.
- Requests to downgrade to non-moving violations: This leaves the violation away from your insurance record, even if you pay a fine.
- Hiring a lawyer: Legal assistance is worth the cost, especially if you are under the age of 21 or already have a violation.
After tickets, shop competitive rates
If your ticket is on your record, shopping can save you money. Because all insurance companies weigh differently, one company may punish you heavily, while another may take a more tolerant approach. This means switching careers can lead to massive savings.
For example, a fee review provided by Quadrant Information Services shows that the full coverage premium for Minnesota drivers with speeding tickets exceeds $3,500 a year. The AAA charges an average of $3,126, with farmers even higher at $5,205, but nationally at just $1,641, potential savings of over $3,500 a year.
It could be different if your current company didn’t give you a break.
Drive defensively to avoid future speeding tickets
A single speeding ticket is a wake-up call, but there is no need to define the future of driving. Avoiding additional violations is usually the best long-term way to keep your insurance down. Many businesses offer excellent driver discounts after a clean period. You can also benefit from enrolling in a telematics program that rewards safe driving.
If your vehicle has Intelligent Speed Assistance (ISA) features, enabling them will also help you stay within posted restrictions. The fewer violations on record, the easier it will be to recover lower rates over time.
FAQ
Methodology
Bankrate uses Quadrant Information Services to analyze April 2025 fees for all ZIP codes and carriers in all 50 states. The cited fees are based on 40-year-old male and female drivers with clean driving records, good credits and the following full coverage limits:
- $100,000 per person physical injury liability
- $300,000 for each accident
- Liability for property damages of $50,000 per accident
- Uninsured driver physical injury for $100,000 per person
- Uninsured driver’s physical injury for $300,000 per accident
- $500 collision deduction possible
- Comprehensive $500 deduction
To determine the minimum coverage limit, bank rates used minimum coverage to meet the requirements of each state. Our base profile driver owns a 2023 Toyota Camry, commutes five days a week and drives 12,000 miles a year. Bundles and paperless billing discounts apply.
These are sample rates and should be used for comparison purposes only. Your quote is different.
If specified, the base profile has been modified with the following driver characteristics:
