Recently, I received a speeding ticket and am curious about its effects on my insurance policy. Specifically, I’m wondering when the ticket will reflect on my insurance rates. Should I proactively inform my insurance agent, or is this information relayed through the DMV?
Hi Francis,
The time it takes for a speeding ticket to influence your car insurance rates typically ranges between six to 12 months, depending on when your policy renews. Most likely, you’ll notice this impact at your next policy renewal after the ticket has been issued.
Your insurance company regularly requests driving records to update their information, so it’s not your responsibility to notify them of the ticket—the DMV’s reports will handle that. The frequency with which your insurer checks these records will determine how soon they’ll learn about your citation.
Once your insurance provider is aware of the speeding ticket, you can expect an average rate increase of approximately 25%. However, the actual increase can vary based on several factors, including the insurance company’s policies, your previous driving history, the location where the ticket was issued, and the severity of the speeding violation.
In summary, while you don’t need to inform your insurer directly about the speeding ticket, be prepared for an increase in your rates within the next year. Driving safely and maintaining a clean record moving forward can help mitigate these costs over time.
Best Regards,
The Car Middle East Troubleshooting Team
