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Have you got your lead foot in Georgia? Financial stabs on speeding tickets exceed prepaid costs ranging from $25 to $500, depending on how fast you drive. Even a single ticket costs more than you think. In addition to the state fines, Georgia drivers pay an average of $753 per year on car insurance if they are convicted of speeding here. Understanding how speeding tickets affect car insurance may help ease with gas pedals and help you maintain more money in your wallet.
How much will your insurance increase after a speeding ticket in Georgia?
On average, car insurance premiums in Georgia are Speeding ticket Convicted. This means that drivers will need to add $63 per month for car insurance. Silver lining means you don’t know that rate increases will occur immediately. However, once an insurance contract is renewed, the insurance company can usually recheck the car report and add an insurance contract (a financial penalty tack) for the violation.
Your driving history is the main one Evaluation coefficientit’s just one of many people who will decide your premium. Other factors such as age, location and previous driving activity can also play a role, and could change how significantly speeding tickets can affect policy.
| Driver Profile | Average annual full coverage premium |
|---|---|
| Clean Record | $2,901 |
| Adult driver, single speeding ticket | $3,654 |
| 18 years old, clean record | $8,385 |
| 18 years old, single speeding ticket | $10,341 |
How speeding tickets for real drivers in Georgia 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 Georgia insurance?
In Georgia, speeding tickets usually remain on driving records for two years. Speeding tickets below 15 mph with posted speed limits should not technically add points to your driving record. However, driver license points and additional charge points will differ. Driver’s license points will be dropped after 2 years, but violations will remain on the driving record. Typically, additional fee points allocated by the insurance company will affect the fee for at least three years.
The impact of speeding tickets decreases over time, with rates reaching the highest in the first year. However, keep in mind that your base rate will still fluctuate during that time. After the extra charges drop, it’s unlikely that your premium will be exactly what it was three years ago. Comparing car insurance shopping can help you find a lower price even if you have speeding tickets on your records.
How to avoid increased insurance after speeding tickets in Georgia
If your car insurance company can see speeding tickets on your car report, there is a chance that they will add your insurance. However, even if you have a speeding ticket, there are still ways to save money on insurance.
Try to keep your speeding ticket from your driving record
Find a way Delete the ticket From your driving record, it’s the best case scenario. This applies to all drivers, but especially for first-time offenders and drivers who are at risk of licensing suspension due to other violations.
- I don’t want to plead: Georgia Law Drivers who have received a mobility violation can sue a Nolo Constendere once every five years. If permitted, this ensures that points do not apply to your driving record. Subsequent pleas without a contest within five years will help reduce the number of points on your driver’s license, but will not delete tickets from your driving history.
- Fighting tickets: If you feel that your ticket was issued incorrectly or you extend the situation, you may plead not guilty and request a hearing.
- Complete the Point Reduction Class: When you take a state-approved defensive driving class, the judge may sway to remove tickets from your records, but that is not guaranteed. However, it may reduce driver license points. This helps to avoid licensing suspension.
After tickets, shop competitive rates
Speeding tickets can increase rates on almost every airline, but not all insurance companies see the risk of speeding up the same. When you’re with a carrier with a diverse risk pool, the increase in premiums may be less than for companies that support drivers with clean records.
The difference in career valuation structure is why shopping is so important in at least three different companies. A Georgia driver with one speeding ticket can save as much as $1,900 a year by switching to another insurance company. Going through the process of getting a car insurance quote isn’t necessarily fun, but it’s usually worth it.
Drive defensively to avoid future speeding tickets
The best way to avoid speeding ticket rate increases is to not speed. However, maintaining a clean driving record is not always possible, and even the most careful drivers can slip. Over time, rate increases related to speeding tickets fade. By avoiding additional travel violations, you can usually get back safe driving and safe discounts within five years.
In Georgia, drivers aged 25 and older are eligible for premium reductions after completing an approved defensive driving course. However, you must violate it by chance for at least three years. Signing up for a telematics insurance plan can help you save money, and most telematics apps offer tips on how to improve your driving habits.
Additionally, if the vehicle is equipped, drivers with intelligent speed assistance should ensure that the system is active and help reduce the chances of another speeding ticket.
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:
