In Georgia, if you’ve got a penchant for putting the pedal to the metal, beware—the financial bruising from a speeding ticket hits harder than just the fine, which can span anywhere from $25 up to $500 depending on your velocity. The real kicker? Even a solitary ticket often carries heftier consequences than you might anticipate. Beyond state-imposed penalties, drivers convicted of speeding shell out an average of $753 extra annually on car insurance. Grasping how these infractions tweak your insurance costs might just encourage you to ease off the accelerator and keep some extra bucks tucked away.
The Aftermath: How Much Do Insurance Rates Climb in Georgia Post-Speeding Ticket?
Insurance premiums typically surge by roughly 26% across Georgia following a speeding violation. But before you panic, remember: the ticket itself is just one variable among many determining your rates. Factors like your age, where you live, and your prior driving record all intermingle to decide how sharply your policy might inflate.
| Clean Driving Record | $2,901 |
| Adult with Single Speeding Ticket | $3,654 |
| 18-year-old with Clean Record | $8,385 |
| 18-year-old with One Speeding Ticket | $10,341 |
Carrying a Speeding Ticket Could Mean Losing Discounts
Many insurers reward drivers who keep their records squeaky clean with juicy discounts. Let a speeding ticket mar your record, and you might see those savings evaporate as some carriers yank away safe driver and incident-free perks, pushing your premiums even higher.
Real Voices: Georgia Drivers Share Their Experiences
“I (25, male) recently handled a ticket in Monroe County. Showing up to court, I chatted with the clerk/prosecutor, hoping to negotiate the points. Often, they’re more interested in the fine than points. Initially, I had 71 mph in a 55 zone (2 points) and a $150 fine. After negotiating, it was reduced to 68 mph (no points) with a $280 fine. Totally worth it to dodge an insurance hike, which is almost certain if points stick, especially for younger male drivers.”
— Reddit user, 11/30/2024
“You might be able to trim points off your license—and reduce insurance surcharges—by taking a driving course. Alternatively, contest the ticket; if the officer skips your hearing, the ticket could be dismissed. Check your state’s DMV or MVA for driving course options.”
— Reddit user, 2/15/2025
*Quotes and testimonials have been verified by our editorial team and reflect opinions as of their posting dates. External content views do not necessarily align with ours.
Speeding Ticket Duration on Your Georgia Insurance Record
Speeding citations in Georgia generally stick around on your driving record for about two years. Minor speeding violations—specifically those under 15 mph over the limit—technically don’t add points to your license. However, it’s key to distinguish between driver’s license points and insurance surcharge points. While the state-assigned points vanish after two years, the violation itself lingers on your record. Insurance surcharges tied to those points typically influence your premiums for at least three years.
The initial year after a ticket often sees the steepest rate hike, but the impact diminishes with time. Still, your base premium might fluctuate regardless, so expect differences compared to rates prior to your infraction. Shopping around can yield better deals even when your record isn’t spotless.
How to Dodge a Premium Hike Following a Speeding Citation in Georgia
Once your insurer spots that speeding ticket on your motor vehicle report, brace for a surcharge. Yet, even with a black mark, there are strategies to soften the financial blow.
Keep That Ticket Off Your Record
Removing the ticket altogether is the gold standard—especially for first-timers or those teetering on license suspensions due to prior offenses.
- Plead Nolo Contendere: Georgia law lets drivers plead no contest (nolo contendere) once every five years for moving violations, which can block points from landing on your license. Using this plea again within five years can reduce points but won’t erase the ticket from your history.
- Contesting the Ticket: If you believe the citation was unjustified or circumstances were exceptional, plead not guilty and request a court hearing.
- Take Points Reduction Classes: Enrolling in a state-approved defensive driving course might sway the judge to cut points or expunge the ticket, though this is never guaranteed.
Shop Around for Better Insurance Deals Post-Ticket
Not all insurers assess speeding risks equally. Those with diversified risk pools might slap you with a milder premium increase than those who demand spotless records. This variability makes switching carriers less taxing than it sounds—and usually worthwhile.
Drive Smart to Avoid Future Rate Bumps
The surest way to stop premium jumps from speeding tickets is to simply not speed. Of course, even the most vigilant can slip up. The good news: insurance hikes tied to tickets fade with time. Steering clear of new violations often lets you reclaim safe driving discounts within five years.
For Georgians aged 25 and up, completing an approved defensive driving course can snag a premium discount—assuming you’ve been free of accidents and violations for at least a year. Additionally, telematics apps that track and coach your driving habits might help you save some cash. Vehicles equipped with intelligent speed assistance systems should make sure these are active, as they can help reduce the chances of another speeding ticket.
Frequently Asked Questions
What’s the top insurance company for drivers with speeding tickets?
Finding the “best” insurer is deeply personal, influenced by your unique driving profile, ticket history, coverage needs, and vehicle details like make, model, and age. Comparing multiple quotes remains the smartest strategy to spot the insurer that suits your individual circumstances.
Is it tough to get insurance with a speeding ticket in Georgia?
Generally, snagging coverage is manageable unless your speeding was egregiously beyond limits or you have a cluster of traffic infractions piling up.
Do I need to inform my insurer about a speeding ticket?
Usually, no. Your insurance provider routinely pulls your motor vehicle report during policy renewal and updates rates accordingly. While the frequency varies, they commonly check at least annually. Always be truthful if your agent inquires directly about your driving record when switching or updating policies.
Methodology Behind the Data
Bankrate harnessed Quadrant Information Services to analyze insurance rates as of April 2025, spanning every ZIP code and carrier across all 50 states plus D.C. Calculations weigh population density regionally. The baseline driver profiles are:
- Age 40, male and female drivers with spotless driving records and strong credit
- Coverage limits: $100,000 bodily injury per person, $300,000 per accident; $50,000 property damage; uninsured motorist coverage mirroring bodily injury limits; $500 collision & comprehensive deductibles
- A 2023 Toyota Camry is the vehicle, driven 12,000 miles/year, commuting 5 days a week
- Discounts for bundling and paperless billing incorporated
Note: Rates are examples for comparison and not guarantees.
Additional Factors Included in Rate Calculation
- Credit-Based Scores: Four tiers—poor to excellent—consider more than just credit scores. Some states restrict this factor.
- Incidents: Variations include clean record, single speeding ticket, at-fault accidents, DUIs, and coverage lapses.
- Mileage: Ranges analyzed from 2,000 to 20,000 miles per year.
- Vehicle Model Year: Primarily 2023 models; comparatives include 2013 used cars.
- Age: Profiles evaluate drivers aged 18 to 70, including teen drivers added to parents’ policies.
- Gender: Not a rating factor in some states due to regulation.
- Marital Status: Single vs. married status impacts rates variably across states.