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No one wants to get a speeding ticket, but it happens. Knowing how a speeding ticket can affect your car insurance can help you prepare for a premium increase. A single speeding ticket in Arizona can result in fines and points on your license. You’ll also likely see an increase in your premiums if you renew your policy after receiving a speeding ticket. According to data from Quadrant Information Services, the average cost of full coverage auto insurance for drivers with a speeding ticket in the Grand Canyon State is 25% higher than the average cost for drivers with a clean accident record. If you’re looking to save money on your insurance after receiving a speeding ticket in Arizona, this guide has some tips for finding the most affordable insurance.
How much are speeding fines in Arizona?
The fines for a speeding ticket in the Grand Canyon State vary depending on the severity of the violation and the county or city you’re pulled over in. In Avondale, for example, speeding ticket fines can range from $230 to $505, depending on how many miles you went over the speed limit.
If you get a speeding ticket in Arizona, the average cost of full coverage car insurance is $3,177 per year, compared to $2,547 for drivers with no violations on their license. This 25 percent increase is the average rate increase, but individual premiums will vary depending on your personal rating factors and the severity of your ticket. Luckily, most speeding tickets only affect your premiums for three to five years.
Under Arizona law, in addition to a speeding fine, you can also have up to three points added to your license for a speeding violation. If you accumulate eight or more points in a 12-month period, you may be required to attend traffic school and your license may be suspended.
Cheapest Car Insurance for Arizona Drivers with Speeding Tickets
Finding the cheapest car insurance after receiving a speeding ticket in Arizona usually requires comparing quotes from multiple companies. Most companies offer higher premiums to ticketed drivers, but some companies give more weight to these violations in the underwriting process than others. Ask for the same level and type of coverage from each company so you can compare and choose the cheapest option. When searching for cheap car insurance after receiving a ticket, we recommend considering one of the companies listed below.
| company | Average full compensation rate before speeding ticket issue | Average Full Refund Rate After a Speeding Ticket | % Difference After Speeding Ticket |
|---|---|---|---|
| Geico | $1,416 | $1,598 | 13% |
| Traveler | $1,375 | $1,877 | 37% |
| Nationwide | $1,904 | $2,373 | twenty five% |
| America | $1,969 | $2,661 | 35% |
| Comprehensive | $2,344 | $2,668 | 14% |
What to do if you get a speeding ticket in Arizona
Unfortunately, if you get a speeding ticket in Arizona, it can affect your insurance rates for three to five years, depending on the insurance company and the severity of the ticket. However, there may be ways you can save money on your insurance even if you don’t have a perfect driving record.
Get quotes from other car insurance companies
Arizona auto insurance companies consider many factors when setting your car insurance rates. In Arizona, your age, gender, credit history, and the year, make, and model of your vehicle affect your premiums. However, each company has its own method for determining rates, and premiums may vary from company to company. Comparing individual quotes from multiple insurance companies after receiving a traffic ticket may help you see if you can get a better rate with another company.
Find discounts
Whether you’re switching insurers or sticking with your current company, taking advantage of all the discounts available is a fairly easy way to lower your premiums. Each company has its own set of discounts, but some commonly found options include:
- Telematics DiscountsMany insurance companies offer telematics devices and apps that offer incentives, such as premium discounts, for safe driving behavior.
- Payment discountsMany insurance companies offer discounts if you pay your premium in full or sign up for paperless billing.
- Student discountYoung drivers may be able to save on their insurance premiums by maintaining a good GPA and taking driving safety classes.
- Vehicle Safety DiscountAuto insurance companies may offer discounts for features that improve the safety of your vehicle, which can include everything from backup cameras to automatic lane assist.
FAQ
Methodology
Bankrate uses Quadrant Information Services to analyze July 2024 rates for every zip code and insurer in all 50 states and Washington, D.C. Rates are weighted based on population density in each area. Estimated rates are based on a 40-year-old male and female solo driver with a no-accident record, good credit, and the following full coverage limits:
- $100,000 bodily injury liability per person
- Bodily injury liability of $300,000 per accident
- Property damage liability of $50,000 per accident
- $100,000 per person in bodily injury claims caused by uninsured motorists
- Uninsured motorist bodily injury compensation of $300,000 per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine the minimum coverage limits, Bankrate used the minimum coverage that meets each state’s requirements: Our base profile driver owns a 2022 Toyota Camry, commutes to work five days a week, and drives 12,000 miles per year.
These are sample rates and should be used for comparison purposes only.
Incident: The charges were calculated by assessing a base profile applying the following events: no accident record (baseline) and one speeding ticket.
