How a Speeding Ticket Impacts Your Insurance in Michigan

A speeding ticket increases car insurance in Michigan by an average of 28%, from $3,013 annually to $3,852. USAA and Progressive have the cheapest average rates.

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Jacqueline Quach holds years of experience in content writing, blogging, and copywriting, and has a professional background in user experience design, helping clients and businesses develop their content strategy. Jacqueline writes for multiple brands and websites, empowering customers in their purchase process through content. She also contributes to Savings.com and has written for Angi and SeniorLiving.org. Her work has been featured on MSN.com and Dayspa Magazine. Jacqueline holds a B.A. in Communication Studies from the University of California, Los Angeles.

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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 23, 2026

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Key Takeaways: Speeding Ticket Insurance Impact in Michigan

A speeding ticket raises Michigan car insurance rates by an average of 28%, from $3,013 to $3,852 annually.

GEICO sees the steepest increase at 69%, while AAA sees the smallest at just 11%.
USAA and Progressive offer the cheapest average rates for drivers with a speeding ticket.
Drivers with two or fewer points can take a Basic Driver Improvement Course to avoid rate hikes.
Points expire after two years, but insurers may view the conviction on your record for 3-5 years.

In Michigan, speeding is a civil infraction, so if you’re ticketed, it’s punishable by a fine. You may also have to pay associated court costs and receive points on your driving record. While you won’t be at risk of imprisonment or having to do community service, you’ll likely have to deal with higher insurance costs as a result of your ticket.

How a Speeding Ticket Affects Your Insurance in Michigan

Premiums for car insurance in Michigan increase by an average of 28 percent following a speeding ticket. Average insurance costs vary by ZIP code, as well as other demographic information, vehicle information, and the rest of your driving history, so the rates listed below aren’t necessarily what you’ll pay with a ticket on your driving record.

Company	Average with clean record	Average with speeding ticket	Increase
AAA	$2,708	$3,001	11%
Allstate	$3,636	$4,788	32%
Auto-Owners	$2,246	$3,187	42%
GEICO	$2,092	$3,540	69%
Progressive	$2,423	$2,847	17%
State Farm	$3,422	$4,020	17%
USAA	$1,992	$2,431	22%
Michigan average	$3,013	$3,852	28%

Insurance companies typically look back three years on your record, so you’ll likely see increased rates during that period (though your rate may gradually decrease over time). You may also lose out on any good driver discounts you had previously. However, there are ways to minimize the cost increases you’ll face.

How to Lower Premiums for Insurance After a Speeding Ticket

Take the Basic Driver Improvement Course (BDIC)

If you’re eligible, taking a BDIC will prevent the state from adding points to your driving record and notifying your insurance company of your ticket. Note that you’ll still have to pay the ticket and court costs even if you complete a BDIC.

You’re eligible for a BDIC only if you have two or fewer points on your record, you were not driving a commercial vehicle, and you meet other requirements. The course will take at least four hours, either online or in person. Enroll at https://www.michigan.gov/sos/license-id/bdic.

Shop Around

Each car insurance company assesses risk a little differently, so the cheapest insurer with a clean record isn’t necessarily the best deal if you have a speeding ticket. USAA and Progressive are among the cheapest car insurance companies in Michigan, on average, after a speeding ticket.

Compare quotes from at least three companies to find the best deal.

Lower Your Coverage Limits

Michigan’s minimum insurance requirements are extensive compared to other states, which is part of why car insurance is so expensive there. Opting for minimum coverage will lower your bills, but could leave you financially vulnerable after an accident. You can also increase your comprehensive/collision deductible as a middle ground.

Below are the minimum coverages and limits:¹

Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $10,000 for accidents outside of Michigan
Property protection insurance (PPI): $1 million for accidents that occur in Michigan
Personal injury protection (PIP): Most drivers must carry unlimited PIP coverage, which covers medical bills, lost wages, and more. Drivers with Medicaid can opt for a $50,000 limit, while drivers with Medicare or another Qualified Health Coverage (QHC) can opt for a $250,000 limit.

Opt out of Personal Injury Protection (PIP)

Senior drivers in Michigan can opt out of personal injury protection (PIP) if you (as the “named insured”) have both Medicare Parts A and B, and all other household members have Qualified Health Coverage (QHC)². Medicare can apply to auto accident injuries in place of PIP, ensuring you’re not paying twice for the same coverage for policies issued or renewed after July 1, 2020.

Join Michigan’s High-Risk Insurance Pool

If you’re having trouble finding high-risk car insurance in Michigan, you can join the Michigan Automobile Insurance Placement Facility as a last resort. This is more likely to happen if you have serious violations on your record in addition to a speeding ticket, like a DUI. Learn more at https://www.maipf.org/

Speeding Penalties in Michigan

In addition to higher insurance premiums, speeding in Michigan can result in a fine and points on your driver’s license.

State Penalties

The state sets the potential minimum points on your driving record and fines for speeding in its Vehicle Code.³ Fines vary by region, usually ranging between $115-$250 depending on the severity of the infraction. Additional court costs often range from $30-$40 and are tacked onto the base fine.

MPH Over Limit	Points
1-5	2
6-10	2
11-15	3
16 or more	4

FYI:

If you get four points within two years, you’ll receive a warning in the mail. At eight points, you’ll get a reexamination warning in the mail. If you reach 12 points, you’ll need to take a driver assessment reexamination, and your license could be suspended.

Local Penalties

State fines are minimums, so actual fines for speeding in various municipalities may be much more expensive. We’ve compiled fines in Wayne, Oakland, and Macomb counties as examples.

MPH Over Limit	Wayne County (36th District Court)⁶	Oakland County (52-3 District Court)⁷	Macomb County (42-1 District Court)⁸
1–5	$125	$125	$120
6–10	$135	$135	$135
11–15	$150	$140	$145
16–20	$170	$150	$175
21–25	$180	$160	Data not available
26–30	$180	$170	Data not available
31+	$195	$180	Data not available

Fines can vary within each county depending on the specific district court and circumstances such as construction zones or school zones. Consult the local court’s website or contact them directly for the most accurate and up-to-date information.

What to Do After You Get a Speeding Ticket

If you’re issued a citation for speeding in Michigan, you can either plead guilty and pay the ticket, or plead not guilty and contest the ticket.

Pay the Ticket

Your ticket should have instructions on it with specific payment options, which you can follow. You can also pay online at this general link: https://e.courts.michigan.gov/eTix/servlet/EtixMainServlet?Command=Welcome

Contest the Ticket

Contesting a ticket looks different based on where the violation occurred. For example, in Lansing, you’ll request a formal or informal hearing (attorneys are allowed at formal hearings only). If you’re found responsible, you’ll have to pay the judgment. However, you can appeal the decision within 14 days. Keep in mind you’ll still have to post a bond to secure your place in court. The bond will be returned to you only if the decision is overturned.⁷

It will probably be easier to simply pay the ticket rather than contest it and possibly go through the appeals process, especially if you have to hire a lawyer.

More Traffic Violations That Affect Insurance

Besides speeding, other traffic violations that add points to your driving record and make your insurance more expensive in Michigan include the following:

Careless driving
Disobeying a school crossing guard, traffic signal, or stop sign
Drag racing
Failing to stop and give identification at the scene of a crash, also known as a hit-and-run
Failure to stop at a railroad crossing or school bus
Failure to yield, causing death or injury to an emergency responder, construction worker, or person operating implements of animal husbandry
Failure to yield or show due caution for emergency vehicles
Fleeing or eluding a police officer
Having a blood alcohol content level over 0.00 percent if you are under the age of 21
Impaired driving, otherwise known as driving under the influence (DUI)
Improper passing
Manslaughter, negligent homicide, or other felony involving the use of a motor vehicle
Any moving violation that causes injury or death
Having an open alcohol container in a vehicle
Operating while intoxicated or with any presence of a Schedule 1 drug or cocaine
Reckless driving
Refusal of breath test by anyone under 21
Refusal to take a chemical alcohol test

Conclusion

In Michigan, a speeding ticket will increase your insurance rates by an average of 28 percent. If you have two or fewer points on your record, you can take a Basic Driver Improvement Course and avoid insurance rate increases (you’ll still have to pay the ticket and any court costs).

Auto-Owners, Progressive, Farm Bureau, and USAA are some of our top picks for the best auto insurance in Michigan after a speeding ticket. Compare quotes from several companies to find the cheapest rates.

Frequently Asked Questions

How long does a speeding ticket stay on your record for insurance in Michigan?

Insurance companies can view your speeding ticket conviction on your record for up to 3-5 years; this can negatively impact your premiums during that time. However, the points you earn on your record will expire two years after your conviction.

Can I get a speeding ticket removed from my record in Michigan?

You cannot get a speeding ticket removed from your record in Michigan before the required time period has elapsed. Traffic offenses aren’t expungeable, according to the Michigan Department of Attorney General. However, the ticket will automatically be removed from your record two years after your conviction date.

Does Michigan report speeding tickets to other states?

No, Michigan does not report speeding tickets to other states, as it is not a member of the Driver License Compact, according to the Council of State Governments.

How do I prove that I passed my Basic Driver Improvement Course (BDIC)?

When you pass your BDIC, the issuer will automatically alert the Michigan Department of State electronically. You won’t need to do anything else.