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When you get a speeding ticket in Indiana, your initial concern might be the cost of the ticket. However, a larger concern is likely your potential insurance premium increase. Your car insurance rate is determined by factors that are unique to you and your insurance company, but Indiana drivers pay an average of $1,713 per year for full coverage. After a ticket, that average increases to $2,046 per year.
How much is a speeding ticket in Indiana?
In Indiana, the cost of a speeding ticket fine is determined by the county or municipality in which the violation took place. In most counties, speeding ticket fines start between $125 and $150 for drivers traveling up to 15 mph over the speed limit, with larger fines for higher speeds or for speeding in a school or construction zone.
Indiana also uses a points system, where drivers may receive points on their license based on certain infractions. Depending on the circumstances, Indiana speeding ticket points usually come out to between two and six points. After 20 points, a driver may have their license suspended.
The cheapest car insurance for Indiana drivers with a speeding ticket
If you have an Indiana speeding ticket on your driving record, you’re likely to see higher rates from auto insurance companies. One speeding ticket affects insurance rates for most drivers, with an average increase of nearly 20 percent.
Comparing rates from multiple carriers can help you fit the coverage you need in your budget. The table below shows average annual premiums before and after speeding tickets from some of Indiana’s cheapest auto insurers.
| Company | Avg. full coverage rate before speeding ticket | Avg. full coverage rate after speeding ticket | % difference after speeding ticket |
|---|---|---|---|
| Hasting Mutual | $803 | $1,007 | 25% |
| USAA | $1,203 | $1,527 | 27% |
| Geico | $1,398 | $1,659 | 19% |
| Encompass | $1,520 | $1,757 | 16% |
| Allied | $1,289 | $1,760 | 37% |
What to do after a speeding ticket in Indiana
Car insurance rates typically increase after a speeding ticket conviction in Indiana. In general, there isn’t much a driver can do to keep an insurer from raising rates after a traffic violation. However, there are several tips and strategies to help drivers potentially save on rates, even after a speeding ticket conviction.
Get quotes from other car insurance companies
Whether you have a recent ticket on your record or just want to readjust your budget, comparison shopping can help you find more competitive rates. When you receive your renewal notice following a speeding ticket, you may want to request quotes from a few other providers to see if their rating algorithms are more generous to drivers with less-than-perfect records.
You can switch car insurance companies at any time, but if you’re switching to get a better rate after a ticket, consider the timing. Because the surcharge for your ticket won’t be added to your premium until your policy is up for renewal, it may make most sense to wait until your policy renews to switch. However, you can shop for new rates at any time, and you may want to switch early if you find a better offer.
Look for discounts
Most car insurance companies offer a variety of discounts. It’s still possible to save and take advantage of certain discounts, even if you’ve been convicted of a speeding ticket. Some discounts are based on driving performance, but others, like policy bundling and payment discounts, are not. Some insurers also offer discounts for safety devices installed in the vehicle. If you’re looking to save money and improve your driving habits, you might consider enrolling in a telematics program. These programs, offered by many insurance companies, track your driving and may reward good habits with discounted rates.
Focus on safe driving
The most reliable way to reduce your insurance premiums after a speeding ticket is also the most time-consuming: Wait. After three to five years, most insurers will remove the surcharge from your policy for a speeding violation. However, repeated violations or accidents could restart the clock — and if you rack up enough incidents, you could be labeled as high-risk and dropped from your insurance.
After a speeding ticket, focus on avoiding unsafe habits behind the wheel, from speeding to checking your phone or failing to leave enough room between you and other vehicles. Taking a defensive driving course could help you boost your skills — and you may even be eligible for an insurance discount or point reduction.
Frequently asked questions
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There is no single best car insurance company for drivers with a history of speeding tickets. The best provider is unique to each individual and depends on factors like budget, coverage needs and location. To find the best company for you, you may want to shop around and compare providers using your personal criteria. Then, you could get quotes to see which company offers the lowest rate for your coverage needs.
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Although you are not legally required to disclose speeding tickets to your insurance company, the carrier will likely discover the ticket when they review your MVR before renewing your policy. Even if you seek coverage from another carrier, that company will also be able to see your MVR, so it’s typically in your best interest to be truthful about any driving infractions during the quoting process to get the most accurate estimated rate possible.
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The exact cost of a speeding ticket depends on where you received the ticket. In most counties, the fine for a speeding ticket starts between $125 and $150. However, you’ll be charged more if you fail to pay it by the due date or if you have multiple violations.
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The cheapest car insurance company for one driver may not be the cheapest for another. That’s because auto insurance rates are highly personalized based on several factors. In Indiana, your age, driving record, vehicle type, location and more all factor into your auto rates. Still, starting with the cheapest car insurance companies by average rates may be a good place to begin your search for affordable coverage. When trying to find the best rates for you, experts often recommend shopping around between multiple insurers and comparing quotes.
Methodology
Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base) and single speeding ticket.
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