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How Speeding Ticket Affects Insurance in Louisville, Kentucky
If you get a speeding ticket in Louisville, KY, it doesn’t just cost you a fine — it can also raise your car insurance rates for years.
On average, Kentucky drivers with a speeding violation pay around $3,190 annually for full coverage car insurance.
The actual increase depends on multiple tickets, the driver’s age, and location. Auto-Owners Insurance offers some of the cheapest car insurance for Kentucky drivers with a speeding ticket.
Avg. full coverage after ticket (KY)
Typical surcharge duration
Cheapest full coverage after ticket
Does a Speeding Ticket Affect Your Car Insurance?
Speeding tickets usually increase your car insurance premiums, but by how much depends on your state and insurer.
It’s important to know if, when, and how a speeding ticket will affect your car insurance. For example, it may not impact your premium if it’s your first violation. But multiple speeding tickets can increase rates dramatically and stay on your driving record for years.
The severity of the offense plays a major role in determining how much your rates increase. On average, Kentucky drivers pay about $3,190 annually after a speeding ticket, but costs climb even higher if the violation is considered reckless driving.
“A moving violation, like a speeding ticket, will typically lead to a multi-year surcharge on your insurance premium. On average, rates increase at least 20% for three years following a speeding ticket. Some insurers offer an optional coverage called ticket forgiveness, which waives the premium surcharge for a first incident of speeding,” — Mark Friedlander, Insurance Information Institute (Triple-I).
The good news? If you maintain a clean driving record, your premiums will gradually decrease over time. Louisville drivers can also lower rates by comparing Louisville car insurance quotes across multiple insurers.
Key Takeaways
- Auto-Owners offers one of the cheapest full coverage options after a ticket, around $2,317 annually.
- Speeding tickets typically stay on your driving record for 3–5 years.
- Lower your rate with a defensive driving course, discounts, and by shopping quotes.
How Much is a Speeding Ticket in Louisville, KY?
The cost of a speeding ticket in Louisville, Kentucky depends on how fast you were going and where the violation occurred. In addition to paying fines, drivers can face driver’s license points or even a suspension for excessive speeding.
The most severe penalties apply if you’re caught driving 26 mph or more over the posted limit, which can trigger a court hearing and potential license suspension.
If convicted of speeding in Kentucky, here’s how points may be added to your license:
- 10 mph or less over → 0 points
- 11–15 mph over → 3 points
- 16–25 mph over → 6 points
- 26+ mph over → Hearing; suspension possible
Alongside the points system, Kentucky law imposes fines based on miles per hour over the limit. The table below outlines the penalties:
| Miles per hour over limit | Fine amount |
|---|---|
| 1 mph | $1 |
| 2 mph | $2 |
| 3 mph | $3 |
| 4 mph | $4 |
| 5 mph | $5 |
| 6 mph | $16 |
| 7 mph | $17 |
| 8 mph | $18 |
| 9 mph | $19 |
| 10 mph | $20 |
| 11 mph | $22 |
| 12 mph | $24 |
| 13 mph | $26 |
| 14 mph | $28 |
| 15 mph | $30 |
| 16 mph | $32 |
| 17 mph | $34 |
| 18 mph | $36 |
| 19 mph | $38 |
| 20 mph | $40 |
| 21 mph | $43 |
| 22 mph | $46 |
| 23 mph | $49 |
| 24 mph | $52 |
| 25 mph | $55 |
| 26+ mph | $60 – $100 (set by court) |
Many drivers are surprised at how quickly fines and higher premiums can add up. The best way to offset costs is by shopping for cheap car insurance in Louisville — different insurers treat tickets differently.
How Much Does a Speeding Ticket Increase Insurance?
If you have a clean driving record, your first offense may not raise your rates drastically, but multiple violations can quickly lead to steep increases.
On average:
- Drivers with a clean record in Kentucky pay about $2,228 annually for full coverage.
- After a speeding ticket, the average premium jumps to about $3,190 annually.
That’s nearly a $1,000 difference per year — and the increase can be even higher depending on your insurer.
Here’s a breakdown of how insurance companies adjust rates after a speeding ticket in Louisville KY:
| Insurance company | Average annual premium (clean) | Average annual premium (after ticket) |
|---|---|---|
| Auto-Owners | $1,911 | $2,580 |
| Travelers | $1,804 | $2,729 |
| State Farm | $2,753 | $2,925 |
| GEICO | $2,106 | $3,479 |
| Progressive | $2,714 | $3,530 |
| Allstate | $3,127 | $3,680 |
| Kentucky Farm Bureau | $2,113 | $4,893 |
| Farmers | $3,548 | $6,427 |
| USAA* | $1,820 | $2,312 |
*USAA is available only to military members, veterans, and their families.
Auto Insurance After Multiple Tickets in Louisville, KY
On average, drivers with two speeding tickets face premiums that are 40%–80% higher than those with a clean record. Some companies may even refuse coverage after multiple violations.
One speeding ticket is costly enough, but multiple violations can have a much more severe impact on your car insurance.
Insurers see repeat speeding as a clear sign of high-risk behavior, which often results in dramatically higher premiums.
In some cases, companies may even refuse to write a policy for drivers with multiple speeding tickets, forcing them into more expensive coverage options such as high-risk or non-standard insurance.
Here’s how major insurers in Kentucky adjust rates for multiple speeding violations:
| Insurance company | Clean record | After one ticket | After multiple tickets |
|---|---|---|---|
| Travelers | $1,804 | $2,729 | $2,994 |
| Allstate | $3,127 | $3,679 | $3,851 |
| Progressive | $2,714 | $3,530 | $4,126 |
| Auto-Owners | $1,911 | $2,581 | $4,434 |
| Farmers | $3,548 | $6,428 | $6,567 |
| USAA* | $1,820 | $2,311 | $2,768 |
*USAA is available to military members, veterans, and eligible family members.
How Age Affects Car Insurance After a Speeding Ticket
Insurance companies already consider teens and young adults high-risk due to their lack of driving experience. A speeding violation signals reckless behavior, which compounds that risk and results in steeper rate hikes.
Here’s a breakdown of how much a speeding ticket affects car insurance rates for various age groups.
| Age group | Annual premium (clean) | Annual premium (after ticket) |
|---|---|---|
| Teens | $6,095 | $8,775 |
| Young Adults | $2,701 | $3,997 |
| Adults | $2,228 | $3,331 |
| Seniors | $2,084 | $3,157 |
What to Do After a Speeding Ticket in Louisville, Kentucky
After getting a speeding ticket in Louisville, KY, your car insurance premiums will likely to increase. But there are still ways to lower your rate.
Step 1: Address the Ticket
Once you've been found guilty of speeding in Kentucky, you have a few options:
- Pay the fine: Some courts may allow installment plans if you can't pay immediately.
- Appeal the ruling: If you believe you were wrongly cited; a successful appeal may avoid points.
- Take a defensive driving course: Kentucky-approved courses may help reduce license points and show insurers you’re committed to safe driving.
Step 2: Avoid Future Tickets and Accidents
Insurance companies place heavy weight on your driving record. Multiple speeding tickets or at-fault accidents can label you a high-risk driver, which might even lead to denial of coverage from certain insurers.
By avoiding additional violations, you can prevent new surcharges, and your first ticket's penalty will typically drop off after three to five years.
Step 3: Explore Discounts
Even with a ticket on your record, insurers offer discounts that can lower your rates. Some discounts to consider include:
- Bundling discounts – Save by combining your auto insurance with homeowners or renters coverage.
- Paperless billing – Opt for digital statements to unlock small but helpful savings.
- Automatic payments – Many insurers reward autopay enrollment.
- Multi-car discounts – Insure more than one vehicle for additional savings.
- Safe driver discount – If you maintain clean driving record without accidents or traffic violations, insurers may reduce your rate again.
- Low mileage discount – Drive less than the average annual mileage can reduce your premium.
- Usage-based insurance programs – Telematics devices that track your driving habits can reward safe behaviors with discounted rates.
How Long Does a Speeding Ticket Stay on Your Record in Kentucky?
In Kentucky, a standard speeding ticket typically stays on your driving record for five years, as reported by the Kentucky Transportation Cabinet (KYTC).
Most car insurance companies in Kentucky will only surcharge for three to five years, depending on the insurer’s underwriting guidelines. For example:- Years 1–3: Expect the steepest increase in premiums, since insurers see you as a higher-risk driver.
- Years 4–5: The surcharge begins to taper off as long as no new tickets are added.
- After Year 5: The violation usually falls off your record, and insurers may fully restore your lower risk status.
Because of this gap, a driver may still technically have a violation on their record, but their auto insurance rates could already start to improve if they maintain a clean record moving forward.
Pro Tip: If you've reached the three-year mark since your ticket, it's a smart time to shop around for new quotes, as some insurers may already drop or reduce the surcharge while others won't.
Frequently Asked Questions
Does a first-time speeding ticket affect insurance?
Yes, even a first-time speeding ticket can affect your insurance. While the increase may be smaller compared to repeat violations. Some insurance companies may raise your premium by 10–20% after the first ticket, especially for younger drivers.
How long does a speeding ticket stay on record for insurance?
In Kentucky, a speeding ticket typically impacts your insurance rates for three to five years, even though the ticket stays on your driver record for five years. After that period, if you maintain a clean record, most insurers will remove the surcharge.
Does a speeding ticket affect your insurance?
Yes, a speeding ticket usually raises your premiums. Insurers view it as an indicator of higher risk driving behavior, and depending on your driving history, age, and insurance company, the increase can range from modest to significant.
How much does a speeding ticket increase insurance?
On average, Kentucky drivers see a 30–40% increase in premiums after a single speeding ticket. For instance, a driver paying $2,228 annually with a clean record may pay around $3,190 after a violation. Multiple tickets push rates even higher.
Do defensive driving courses reduce insurance after a speeding ticket?
Often, yes. Many Kentucky insurance companies offer discounts if you complete a state-approved defensive driving course. In some cases, it may also remove points from your record, helping reduce the long-term impact of a violation.
