Between state fines and insurance rate hikes, the cost of speeding in Massachusetts can hit you harder than the Pike pothole. Even a single speeding ticket signal to insurers can pose a huge risk to the road, which will increase your car rate. Aside from paying a Massachusetts speeding fine, it starts at $50 and increases by $10 per hour over 10 mph. Bay State Drivers pay an average of $587 per year for Full Coverage Auto Insurance after receiving a speeding violation. Knowing how automatic rates rise after speeding tickets can be easier on gasoline pedals and keeping more money in your wallet.
How much will your insurance go up after a speeding ticket in Massachusetts?
Massachusetts drivers experience an average rate increase of 28% after speeding ticket violations. As a result, drivers need to add an average of $49 a month to stay insured.
Initial speeding tickets may be exempt if a carrier participates in the state’s Secure Driver Insurance Plan (SDIP).
If your carrier is not using SDIP, don’t panic immediately. Additional charges – financial penalties that cause fee increases – can only be added to the policy at a specific time of the policy agreement. So, if you decide to change your insurance company, it will increase or perhaps increase earlier on your next insurance renewal.
Please note that driving history is just one of many car insurance rating factors that affect your rates. Other factors, such as driving experience, could make ticket-related increases in speeding higher or lower, depending on your policy.
| Driver Profile | Average annual full coverage premium |
|---|---|
| Clean Record | $2,091 |
| Adult driver, single speeding ticket | $2,678 |
| 18 years old, clean record | $6,419 |
| 18 years old, single speeding ticket | $6,910 |
How speeding tickets for real drivers in Massachusetts affected insurance
It helps you know how other Massachusetts drivers handle speeding tickets and how you handle how you handle them. To help, we collected accounts directly from Reddit users who recently dealt with state speeding tickets.
How much insurance does Massachusetts speeding tickets have?
Massachusetts speeding tickets can affect car insurance premiums for up to six years, but may vary from insurance company to insurance company. In contrast to the five-year period, if there are no incidents remaining, you can expect a policy extra fee for at least three years. However, if you receive another violation, Surcharges can last up to five years. For SDIP policy, drivers must be without incidents for six years to achieve excellent driver status.
During this time frame, avoiding additional travel violations can lead to lower fees. However, rate changes and other economic factors generally increase the cost of car insurance over time, making it less likely that rates will return to ticket premiums before speed. It makes sense to shop for an affordable car insurance company while waiting for the extra fee to drop from your insurance policy.
How to avoid increased insurance after speeding tickets in Massachusetts
Some first-time speeder offenders may be able to exempt tickets, so it’s wise to do what you can to avoid having a speeding ticket on your driving record. However, even if your records are marked, there are ways to save money on car insurance.
Try to keep your speeding ticket from your driving record
Ultimately, the only way to see a policy rate increase is to make sure that speeding tickets don’t appear in the car report. In Massachusetts, speeding tickets cannot be filed for non-moving violations. Some of your options are:
- Join the ticket: When fighting tickets in Massachusetts, the clerk may feel you are innocent. In this case, the penalty will be exempt and you may even receive a refund for the fees filed by the court.
- Please seek reductions in fines: You cannot plead for speeding tickets, but a judge or magistrate can reduce the fine or defer payment.
- Going to traffic school: Visiting a traffic school before the court does not guarantee that your ticket will be rejected or deleted from your driving record, but it will help you receive a low driver’s license fine and reduce your points.
After tickets, shop competitive rates
Each carrier views speed-related risks differently. Depending on how certain risks affect your business model, some insurers have more significant interest rate hikes than others. Comparing fees between at least three insurance companies will help you find lower fees. In fact, Bankrate has discovered that drivers with a single speeding ticket can save more than $900 a year on car insurance by switching carriers based on average rates. The best auto insurance company for you is one that can balance coverage with affordable prices.
Drive defensively to avoid future speeding tickets
Speeding tickets happen at our best. By avoiding additional speeding tickets and other travel violations, you can earn safe driving discounts in the future. Consider asking your agent if other discount opportunities or telematics insurance plans are available. Also, if your vehicle is equipped with Intelligent Speed Assistance (ISA), keeping it active will help to keep your lead foot down.
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:
