How a Speeding Ticket Impacts Insurance in Kentucky

Bluegrass State drivers can expect their premium to rise by 13 percent on average after a speeding ticket.

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Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.

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Last updated: July 22, 2026

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Key Takeaways: How a Speeding Ticket Impacts Insurance in Kentucky

A speeding ticket raises Kentucky auto insurance premiums by 13% on average, adding roughly $350 per year.

Kentucky’s average rate jumps from $2,782 to $3,151/year after a speeding ticket.
Travelers and USAA offer the cheapest average rates for drivers with a speeding ticket.
Speeding fines range from $163–$243, with court costs making up $143 of that total.
Drivers 18+ face license suspension at 12 points; violations stay on record for 5 years.

In 2025, over 636 people were killed in highway accidents in Kentucky, one-third of which was attributable to aggressive driving and speeding.¹ A speeding ticket may lead to a fine and imprisonment, as well as an almost-certain insurance premium hike. Below, we’ve compiled a guide that details key legal and financial repercussions of getting a speeding ticket in the state.

How a Speeding Ticket Impacts Your Insurance in Kentucky

In Kentucky, a speeding ticket causes annual rates to spike by 13 percent on average, which equates to nearly $350 per year. Travelers and USAA have the lowest average rate for drivers with a speeding ticket. (Note: USAA membership is restricted to military, veterans, and their families.)

Company	Average with clean record	Average with speeding ticket	Increase
USAA	$1,963	$2,148	9%
Travelers	$1,860	$2,290	23%
Auto-Owners	$1,980	$2,298	16%
Shelter	$2,172	$2,390	10%
State Farm	$2,515	$2,641	5%
Allstate	$5,171	$5,988	16%
Kentucky average	$2,782	$3,151	13%

How to Lower Your Premium After a Speeding Ticket

A speeding ticket often will raise your rates, as you’ll be considered a high-risk driver by insurers, but here are a few ways to minimize the impact:

Enroll in the Kentucky State Traffic School

If you get a ticket, complete a state-approved course through the Kentucky State Traffic School to keep points off your license. You can only complete State Traffic School once every twelve months, and only for minor traffic violations (e.g. your license has not been suspended). Learn more at https://drive.ky.gov/Drivers/Pages/KY-State-Traffic-School.aspx

Keep a Clean Driving Record

Points on your record are removed two years after you plead guilty to speeding, and the conviction itself remains for five years. Avoiding new violations will ensure you return to a clean record as soon as possible, increasing your chances at the lower rates afforded to safe drivers.

Reevaluate the Coverages You Need

Tweak your coverage and lower your rate with the following:

Eliminate extra coverages. We usually don’t recommend reducing coverage, but it can sometimes make financial sense. One example: if you own an older vehicle, you may consider removing collision and comprehensive, as you’d otherwise be paying a premium to cover a low cash value car.
Raise your deductibles. Try reducing your premium by opting for higher deductibles for comprehensive and collision. However, you’ll pay more out of pocket if you file a claim.
Ask about discounts. Most insurers offer savings for bundling multiple policies, signing up for online statements, or enrolling in a telematics program. You can also ask an agent about any hidden discounts not officially listed by your insurer.

Get Quotes From Other Insurers

We recommend getting quotes from at least three different insurers and comparing them. Insurers have different ways of weighing driving violations, so you may find a company with a more affordable rate than what your current insurer is charging after your ticket.

Kentucky Speeding Ticket Fines

In Kentucky, tickets for speeding range from $163-$243, and the maximum fine is lower than that of some other states. For example, speeding fines in Illinois can exceed $2,000 at their most expensive, in comparison to Kentucky’s maximum of $243.

The total fine is composed of a base fine and court costs. While the base fine is relatively low ($2-$100), court costs tack on an additional $143 that account for a majority of the total fine. Note that fines can change or vary; the below is an estimate.

Violation	Estimated Fine	Court costs	Other penalties
1 to 5 mph over speed limit	$2-$5	$143	None
6 to 10 mph over speed limit	$6-$15	$143	None
11-15 mph over speed limit	$16-$30	$143	None
16-25 mph over speed limit	$32-$55	$143	Additional $200 “super speeder” surcharge if 25 mph over limit, with non-payment resulting in license suspension
26 mph or more over speed limit	$60-$100	$143	Additional $200 “super speeder” surcharge, with non-payment resulting in license suspension; mandatory court appearance (possible misdemeanor)

NOTE:

Base fines are doubled for speeding in a work or school zone. For instance, a base fine of $10 will become $20 automatically.

Other Consequences of a Speeding Ticket in Kentucky

Kentucky has a point system to track violations on your driving record. Besides being fined or jailed, you may have your license suspended if you accrue a certain number of points.

Points for speeding infractions are as follows:²

MPH over the speed limit	Points
1 to 10 mph over limit on a limited-access highway	0
11 to 15 mph over limit on a limited-access highway	3
15 mph or less over limit on a non-limited-access highway	3
16 to 25 mph over limit on any road/highway	6
26 mph and over	6

Kentucky will suspend your license once you hit a certain number of points on your record:³

Drivers under 18: License suspension for 7 points accrued in a two-year period
Drivers 18 and over: License suspension for 12 points accrued in a two-year period

FYI

You must attend a hearing if you hit the point limit, which happens before the state will suspend your license.

What to Do After a Speeding Ticket in Kentucky

Here’s how to limit the impact on your driving record after you’ve gotten a speeding ticket:

Review Your Ticket

Determine that your personal info is correct and whether the violation is accurate. Make a careful note of the citation’s court or payment deadlines, as you risk getting your license suspended if you fail to pay or appear in court on the designated date.

Pay or Contest the Ticket

If you pay the ticket, you’re pleading guilty, which may lead to points added to your record. You must submit online payment at least three business days before the court date listed on your ticket; if choosing to mail your payment instead, you must get it postmarked at least 7 business days prior. Conversely, you can contest the ticket in court if you think the ticket is a mistake.

Recap

When a driver gets a speeding ticket in Kentucky, their premium goes up 13 percent on average. The impact on your record depends on how fast you were speeding, with a citation for 26 mph or up over the limit leading to a mandatory hearing and possible misdemeanor for reckless driving. You can mitigate a ticket’s impact by maintaining a clean driving record and comparison shopping to see if other insurers offer more competitive rates despite your violation.

Frequently Asked Questions

How long do speeding tickets stay on your record in Kentucky?

A conviction for a speeding ticket stays on your record for 5 years after your conviction date, though the points disappear after 2 years. Insurance companies will review the past 3 to 5 years of your driving record when determining rates, so your rates may be affected during that time.

How bad will one speeding ticket affect my insurance?

On average, a speeding ticket in Kentucky will raise premiums by 13 percent. The actual price increase depends on how severe your violation is (i.e. whether you’re going 1-10 mph, 11-15 mph, 16-25 mph, and 26 or up over the limit). The more you speed over the posted limit, the more points are added to your record.

Speeding at a lower rate is considered a civil rather than criminal offense. However, if you’re caught going 26 or up over the limit, you face a mandatory court hearing and potential misdemeanor charges for reckless driving, which will be viewed more severely by insurers.

Will insurance know if I got a speeding ticket?

Yes, your insurer will find out about your speeding ticket. This usually happens when they check your driving record with the state DMV when your policy is about to renew. Keep in mind violations stay on your record for 5 years, and insurers often review the record going back 3-5 years, so they’ll see the speeding ticket within that timeframe.

Can you go 5 miles over the speed limit in Kentucky?

No, going 5 mph over the speed limit is considered illegal. It will result in a citation, which entails fines and court costs totaling hundreds of dollars. However, you won’t get any points on your record for that particular offense.