Will a speeding ticket in Pennsylvania affect my automobile insurance?
by
John Pike on Apr. 16, 2025
Summary: Receiving a speeding ticket in Pennsylvania can indeed impact your automobile insurance premiums. Insurance companies view speeding violations as indicators of increased risk, which often leads to higher rates. On average, Pennsylvanians may see their insurance premiums rise by approximately 19% following a speeding ticket. However, this percentage can vary based on factors such as the severity of the offense, your previous driving record, and the specific policies of your insurance provider.
Pennsylvania's Point System
The Pennsylvania Department of Transportation (PennDOT) employs a point system to monitor driving infractions. Accumulating points can lead to further penalties, including potential license suspension. For instance, exceeding the speed limit by 6 to 10 miles per hour results in two points, while going over by 16 to 25 miles per hour adds four points to your record. Insurance companies often consider the number of points on your license when determining premiums.
Strategies to Mitigate Insurance Increases
If you've received a speeding ticket, consider the following steps to potentially reduce its impact on your insurance rates:
Defensive Driving Courses: Completing a state-approved defensive driving course can demonstrate your commitment to safe driving. In Pennsylvania, drivers aged 55 and older can receive a minimum 5% discount on their insurance premiums by completing such a course.
Policy Adjustments: Review your current coverage levels with your insurance agent. Adjusting certain aspects of your policy, such as raising deductibles or modifying coverage limits, might lead to lower premiums. However, ensure that any changes still provide adequate protection.
Seek Discounts: Inquire about available discounts, such as bundling auto and home insurance, maintaining a good student status, or installing safety features in your vehicle. These can help offset any increases due to a speeding violation.
Shop Around: Insurance companies assess risk differently. Obtaining quotes from multiple providers can help you find the most favorable rates post-violation.
Long-Term Considerations
Maintaining a clean driving record over time is crucial. In Pennsylvania, points from traffic violations can remain on your record for up to five years, depending on the severity of the offense. Consistent safe driving habits can lead to the gradual reduction of points and may result in lower insurance premiums in the future.
Conclusion
While a speeding ticket in Pennsylvania can lead to increased insurance costs, proactive measures can help mitigate the impact. Engaging in defensive driving courses, exploring policy adjustments, seeking available discounts, and comparing insurance providers are all effective strategies. Always communicate openly with your insurance agent to understand how specific violations affect your premiums and to explore options tailored to your situation.
If you have been cited for any traffic offense in northeastern Pennsylvania, contact The Law Office of John B, Pike, located in Kingston, Pennsylvania.