How speeding affects your insurance in North Carolina


A speeding ticket in North Carolina could have lasting financial and life consequences. Besides the fine itself, a speeding ticket in North Carolina increased the cost of auto insurance by 55% on average, according to Bankrate’s 2021 study of annual listed premiums. Courts in North Carolina report citations and convictions at the DMV. Your insurance company will eventually find out that you have been cited for exceeding the stated limit. This is why it is essential to avoid tickets in the first place. But if a speeding ticket has impacted the cost of your insurance in North Carolina, there are ways to save on auto insurance premiums.

How much does a speeding ticket cost in North Carolina?

The cost of speeding a speeding ticket in North Carolina is relatively inexpensive in perspective; legal and administrative costs add up, in addition to the ongoing impact on your insurance rates. The cost of a speeding ticket in North Carolina is at least $ 188 for legal costs alone, plus the rate associated with the speeding deductible itself. Here is how the overall good is determined:

  • Drive 0 to 5 miles per hour (mph) over the speed limit: $ 10, plus fees
  • Driving 6-10 mph over the speed limit: $ 15, plus fees
  • Driving 11-15 mph over the speed limit: $ 30, plus fees
  • Driving 16 mph over the speed limit or more: $ 50, plus fees
  • Speeding in a school or work area: $ 250, plus fees

In addition to the financial impact, repeat offenders could have their license suspended after too many points. The fees for having a driver’s license restored after too many speeding tickets are $ 70 for catering and an additional service charge of $ 50.

How much does a speeding ticket increase your car insurance in North Carolina?

Bankrate’s findings on increasing your insurance after a speeding ticket is designated by the age and gender of the driver. You will find that the base rate for a motorist is usually different depending on the gender of the driver. State statistics for male and female motorists generally show that one sex is safer – or involved in more accidents – than the other sex. While women are known to be less risky drivers In general, North Carolina insurance rates show that women pay more for vehicle coverage than men, even with a clean criminal record.

Average annual premium for full coverage

Age Price before speeding Rate after speeding % increase
40 year old man $ 1,284 $ 2,049 60%
40 year old woman $ 1,367 $ 2,058 51%
Total average $ 1,325 $ 2,054 55%

The most important thing to take away from Bankrate’s data is that just one speeding ticket can lead to a significant increase in your bonuses. Speed ​​is an expensive and risky habit in the long run, with possible ongoing financial impacts.

How to lower your auto insurance after speeding in North Carolina

For those North Carolina drivers whose speeding tickets impact fares, it may help to know that you can always find ways to save on auto insurance. Consider the following ideas:

Get quotes from other auto insurance companies

There is no standard fare increase depending on the type of ticket you get. Two similar drivers insured by different insurance companies could see a big difference in their premiums affected by a speeding ticket. Some auto insurance companies in North Carolina appear to be more forgiving of a speeding ticket than others, as shown in the table below.

Average Annual Full Coverage Premium per Auto Insurance Company in North Carolina

Auto insurance company Price before speeding Rate after speeding
Allstate $ 1,633 $ 2,384
AmTrust Financial $ 1,372 $ 1,842
Erie $ 1,125 $ 1,619
Geico $ 835 $ 1,939
MetLife $ 1,524 $ 2,034
At national scale $ 1,374 $ 2,010
North Carolina Agricultural Office $ 1,107 $ 1,595
Penn National $ 1,333 $ 1,993
Progressive $ 1,630 $ 2,392
State farm $ 958 $ 1,409

* Premiums are the average annual premiums for full coverage for people over 40

As you can see, the same level of coverage could cost you almost double depending on which carrier you choose. This is why the first step that drivers might want to take after finding out that premiums can go up after a quote is to obtain multiple auto insurance quotes to determine if a change in insurer would result in significant savings. However, since price isn’t the only consideration, take a look at customer ratings and independent carrier reviews to make sure you’re making an informed decision.

Adjust your coverage

If the new insurance rate is higher than what you can afford, you may also want to consider adjusting your vehicle insurance by lowering your coverage limits (in accordance with legal requirements). Alternatively, you can also increase your deductible to save money, as long as you are prepared to take greater financial responsibility in the event of an accident. Keep in mind that safe driving is more important than ever if you adjust your coverage or deductible – an accident could cost you much more in this situation.

Attend a driver development course

North Carolina state laws allow drivers with four or more points to attend a driver development course once every five years. You may first need to qualify and attend a hearing with an Administrative Hearings Officer, and a $ 70 course fees will be required. Upon completion of the course, you will receive three point credit. Over time, these improvements to your driving record can cause your insurer’s premiums to drop when the policy is renewed.

Other considerations for speeding tickets

In certain situations, a North Carolina speeding ticket may be waiver – which means you might not have to appear in court and just be able to pay it online. However, accepting the right to give it up and pay it off in full without a hearing means you admit you are guilty.

Minor speeding tickets are usually canceled. To find out if you need to appear in court or if you can pay the ticket in full without going to court, check the officer’s notes on the summons. The application of the law generally indicates whether the offense is waiverable.

Frequently Asked Questions

What is the best auto insurance company for drivers with speeding tickets?

Most of the best auto insurance companies dramatically increase premiums after speeding in North Carolina. The lowest premiums after a quote, based on Bankrate’s review of the cited annual premiums, can be found from Amtrust Financial and Metlife. However, you can expect the rates to vary depending on your unique circumstances and circumstances.

How do I get my driver’s license points removed in North Carolina?

The state allows drivers with four or more points to take a driver upgrading course once every five years. You may first need to qualify and attend a hearing with an Administrative Hearings Officer. Upon completion of the course, you will receive three point credit.

How much does a speeding ticket cost in North Carolina?

A speeding ticket in North Carolina costs at least $ 188 in court / administrative fees, plus the fine for speeding. Driving 0-5 mph over the limit costs $ 10, while 16 miles or more will incur a charge of $ 50. The fine for speeding in a school or work area is $ 250, plus fees, regardless of speeding over the limit.


Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on male and female drivers ages 18 and 40 with a record clean driving, good credit and the following full coverage limits:

  • Liability for bodily injury of $ 100,000 per person
  • $ 300,000 liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

Incident: The rates were calculated by evaluating our base profile with the following incidents applied: empty record (base), responsible accident, single speeding ticket, single conviction for driving while intoxicated and forfeiture of coverage.

These are sample rates and should only be used for comparison purposes.

Age: The rates have been calculated by evaluating our basic profile with the ages 18-60 (base: 40 years) applied.

Kind: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.

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