How does a speeding ticket affect your auto insurance?

[andysmith]

It is better to check with your state law, we should rely mainly on clauses mentioned in the rulebook, it is necessary for us to understand the law on speeding ticket while looking to change policy for upcoming year.

[LHUW]

Most carriers never even check MVR's on renewal. We've had clients renew who had DUI's but never reported a loss...MVR was never checked

ssshhhh...Stop giving away our secrets.
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True, but it depends on the budget and the market conditions. During the hard market they will dish out the expense and pull more often or put a condition (if you are a fleet) that the Insured needs to pull on their employees and provide a copy.

Regardless of all this - Insureds should be more concerned about their driving skills than their insurance premiums. Who cares how much your premium was if you end up hitting a pedestrian and killing them?! Slow down and drive carefully!
.....Oh, and most companies don't charge for the first minor conviction.

[patrickbergin]

Different insurance companies have different polices when it comes to how they pro-rate your insurance premiums for speeding tickets and moving violations. If you've received speeding tickets in the past, some companies will raise your rates, while other companies will consider the severity of the violation when they raise your rates.