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The cost of speeding tickets in Michigan exceeds just fines. Also, once your car insurance bill arrives, it can take a big blow to your wallet. The cost of speeding tickets in Michigan will vary based on the severity of the violation, county, and road type. On average, speeding tickets cost between $115 and $210. In addition to the fine, a Michigan driver pays an average of $3,767 per year for a full coverage car insurance, with a single speeding driver. How will speeding tickets affect your car insurance and what can you do about it?
How much will your insurance go up after a speeding ticket in Michigan?
On average, Michigan’s car insurance increases by 21% after a speeding ticket conviction. This means you’ll need to add $642 a year in your insurance budget.
Speeding tickets can wreak havoc on car insurance costs, but you may have time to prepare. Additional charges (a type of financial penalty used in car insurance) can be added to the policy upon renewal, or can only be added if you switch companies and new carriers are running car reports. Driving history is just one of several car insurance rating factors. Changes in other factors, such as age, can affect how speeding tickets affect prices.
| Driver Profile | Average annual full coverage premium |
|---|---|
| Clean Record | $3,126 |
| Adult driver, single speeding ticket | $3,767 |
| 18 years old, clean record | $8,696 |
| 18 years old, single speeding ticket | $10,031 |
How speeding tickets affected actual driver insurance in Michigan
How much insurance does Michigan speeding tickets have?
In Michigan, most moving violations remain on driver records for seven to ten years, depending on the severity of the violation. However, this applies only to car reports and is not an insurance contract. Speeding tickets can be provided with additional charges with car insurance for up to three years. Generally, the first year of speeding tickets is the most expensive, and then the rate slowly drops over time.
It is important to note that over three years, many things can affect your fees. As the car insurance rates are unlikely to return to speed-speed tickets, it is worth buying shopping fees in several careers that will help you save money while your driving record is improving.
How to avoid increased insurance after speeding tickets in Michigan
If a speeding ticket hits your driving record, your car insurance premiums could rise. However, there are ways to minimize the economic impact.
Try to keep your speeding ticket from your driving record
The best way to avoid speeding ticket costs in Michigan is to prevent violations from appearing on car reports.
After tickets, shop competitive rates
An auto insurance company’s appetite for risk can affect how strongly speeding tickets can affect car insurance premiums. If you are an inexperienced driver or have had a previous ticket or accident, a non-standard carrier may have better car insurance rates than preferring drivers with clean records. Michigan drivers can save as much as $6,000 a year by switching to another carrier after being convicted of one speeding ticket.
Drive defensively to avoid future speeding tickets
Speeding tickets can occur even for the most cautious drivers. Maintaining a clean driving record for the future will help you win safe driving discounts that you may have lost. While you await the consequences of speeding tickets disappear, consider looking into additional car insurance discounts, such as defensive driving or enrolling in a telematics insurance program. Another tip is for drivers with intelligent speed assistance (ISA) in their cars. Keeping your ISA active will help you avoid speeding your tickets in the future.
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:
