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Speeding tickets in Colorado may seem like a minor financial hassle, but they can really pack a punch when it comes to car insurance rates. The cost of a Colorado speeding ticket ranges from $30 to $300, depending on the severity of the violation. On top of the state fine, Average cost of car insurance For full coverage after Colorado speeding tickets jump to $4,000 a year – Increased by 25%.
How much will your insurance increase after a speeding ticket in Colorado?
Fully compensated car insurance premiums increase average $66 per month Speeding ticket In Colorado. The good news is that your insurance rates won’t rise anytime soon. Carriers typically analyze car reports before policies are updated, so depending on their timeline, they may have time to prepare for budget adjustments.
Speeding tickets increase the fee, but the amount depends on the carrier. This is just one of many rating factors that carriers consider when pricing their policies. Other factors include age, location and mileage annually. How your insurance company sees others Evaluation factors It affects how much a speeding ticket affects your car insurance premiums.
| Driver Profile | Average annual full coverage premium |
|---|---|
| Clean Record | $3,207 |
| Adult driver, single speeding ticket | $4,000 |
| 18 years old, clean record | $9,336 |
| 18 years old, single speeding ticket | $10,581 |
How Speeding Tickets for Real Drivers in Colorado affected insurance
*The quotes and quotes contained on this page have been verified by our editorial team and are accurate as of the date of posting. Outlinked Content may contain opinions or opinions that do not reflect the views or opinions of the Bank.
How much does a speeding ticket cost, regardless of Colorado insurance?
In Colorado, speeding tickets remain on driving records for seven years. This means that it will appear in the car report during that time, but usually affects car insurance premiums only for 3-5 years. Your policy has an extra fee (financial penalty), which is the most costly in the first year, and usually reduces additional fees with additional updates. All airlines consider speeding tickets when setting rates, but shopping can help you find insurance companies at a less serious extra charge.
How to avoid increased insurance after a speeding ticket in Colorado
Allowing carriers to waive their initial speeding ticket will increase the fee unless your policy includes special approval or benefits. If you can’t maintain a speeding ticket from your car report, there are other steps you can take to minimize rate increases to find cheap car insurance.
Try to keep your speeding ticket from your driving record
The best way to avoid a higher rate from a speeding ticket is to make sure it doesn’t appear in your driving record. Colorado offers several options.
- Fighting tickets: To fight a speeding ticket, the driver must enter a plea of innocence. Either the driver or the traffic lawyer must attend the court. Depending on the situation and the judge, it is possible to violate or dismiss or dismiss a Colorado Speeding ticket without movement.
- Deferred Judgment: If this is your first ticket or you have a clean driving history for three years, you may be eligible for a deferred sentence. In this situation, the driver will plead guilty or dispute and will pay a fine and court fees. The case will be dismissed as long as all fees are paid and other conditions from the court are met.
- Complete Traffic School or Defensive Driving Course: In Colorado, traffic schools don’t remove speeding tickets from records, but they can help reduce driver’s license points and potentially offer savings if carriers offer defensive driving discounts.
After tickets, shop competitive rates
There are many factors that auto insurance companies will consider when determining the fees for insurance contracts. Comparing quotes from multiple airlines is one way of finding a company that can offer a more competitive rate based on driving history. To collect quotes from some companies, consider checking if you can get cheaper rates from other companies. Average rate data shows that Colorado drivers with a single speeding ticket can save up to $5,500 a year with full coverage insurance by switching insurance companies.
Drive defensively to avoid future speeding tickets
Even if the driver is doing his best to follow road rules, speeding tickets can still occur. The best action to move forward is to avoid getting another thing. Not only will state fees begin to pile up, but some speeding tickets over a short period of time could put your driver’s license and insurance policy at risk. Drivers with speeding tickets may be considered high risk and must ensure coverage on non-standard carriers. If your leadfoot is in trouble, consider signing up for a telematics insurance program, which can offer discounts and tips for safe driving.
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:
