How a Speeding Ticket Impacts Insurance in Missouri

Getting a speeding ticket in Missouri can increase car insurance rates by around 19 percent per year on average.

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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 22, 2026

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Key Takeaways: Speeding Ticket & Car Insurance in Missouri

Drivers with a speeding ticket in Missouri can expect an increase of around 19 percent in car insurance rates.

The average annual premium for drivers with a speeding ticket in Missouri is $2,869, while those with clean records pay $2,419/year.
USAA and Travelers offer the cheapest rates for this category at $1,406/year and $1,925/year, respectively.
When you receive a speeding ticket, you can pay the fine, which constitutes an admission of guilt, or appear in court to dispute the charges.

Speeding is the most common factor in car accident fatalities in Missouri, accounting for over a third of traffic deaths in the state.¹ Speeding tickets are considered moving violations, and as such, they will add points to your driving record in Missouri. They also carry a fine and will usually lead to an insurance rate increase.

How a Speeding Ticket Impacts Your Insurance in Missouri

In Missouri, drivers with a speeding ticket on their record pay an average of 19 percent, or $450, more per year than drivers with clean records. USAA and Travelers have the cheapest rates for drivers with a speeding ticket, both well below the state average.

The company with the lowest increase after a speeding ticket is Farm Bureau, but its average rates are a bit higher. The five companies listed below all have below-average rates for drivers with a speeding ticket in Missouri.

Company	Clean record	Speeding ticket	Percentage increase
USAA	$1,309	$1,406	7%
Travelers	$1,534	$1,925	25%
Shelter	$2,008	$2,219	11%
Farm Bureau	$2,231	$2,305	3%
Progressive	$2,308	$2,646	15%
Missouri average	$2,419	$2,869	28%

Ways to Lower Your Auto Insurance Rates After a Speeding Ticket

A speeding ticket is likely to increase your insurance rates, but it won’t impact them forever, and there are several things you can do to lower your rates in the meantime.

Shop around for coverage. Insurance companies evaluate speeding tickets differently, so getting a few quotes from different insurers before your policy renewal may help you find a lower premium.
Look for discounts. You may be eligible for discounts that aren’t currently applied to your policy. Ask your agent about any savings opportunities you may qualify for, and consider participating in a telematics program if you’re confident in your ability to drive safely and avoid speeding in the future.
Maintain a clean driving record. Avoiding additional tickets and at-fault accidents helps keep your rates from increasing further and will lower them as your existing violation becomes less significant over time.
Increase your deductibles. If you have collision and comprehensive coverage, choosing higher deductibles can lower your monthly premium. Just make sure you can comfortably afford the higher out-of-pocket cost if you need to file a claim.
Remove unnecessary coverage. If your vehicle is older and has a low market value, you may be able to reduce your premium by adjusting optional coverages, provided the potential savings outweigh the financial risk.

Speeding Ticket Fines in Missouri

Fines for speeding in Missouri range from $50.50 to $200.50 for citations that are payable without a court appearance.² The amount of the fine increases based on the speed the vehicle was going above the posted speed limit. Speeding in a school or work zone will add $25 to the fine.

Speeding citations for going more than 25 mph over the speed limit require a court appearance, where a judge makes the final decision about the consequences incurred. The fine for this violation can be up to $1,000, and jail time of up to 90 days may be ordered.

Violation	Fine
1 to 5 mph over the speed limit	$50.50
6 to 10 mph over the speed limit	$60.50
11 to 15 mph over the speed limit	$80.50
16 to 19 mph over the speed limit	$120.50
20 to 25 mph over the speed limit	$200.50
26+ mph over the speed limit	Mandated court appearance

FYI:

In addition to being fined for speeding, you may incur a fine in Missouri for driving at less than 40 mph on an interstate highway or driving so slowly that you impede reasonable traffic movement.

Other Consequences of a Speeding Ticket in Missouri

Missouri uses a point system to keep track of traffic violations on a driver’s record. A speeding ticket generally adds two or three points to your driving record depending on whether the driver is convicted under a state, county, or municipal ordinance.³

Points	Timeframe	Consequence⁴
4	12 months	Department of Revenue sends a point accumulation advisory letter
8+	18 months	License suspension 1st suspension – 30 days 2nd suspension – 60 days 3rd or more suspensions – 90 days
12+	12 months	License revoked for a year
18+	24 months
24+	36 months

If you have your license suspended or revoked, your points will be reduced to four once the suspension period is over and your license is reinstated. In addition, your total points will be reduced for every year you don’t get new points added to your record. After three years without new points added, they will be reduced to zero.

You can request a copy of your driving record by calling the Missouri Department of Revenue, visiting any Missouri license office, or logging into your online DMV account.

KEEP IN MIND:

Even if your points are eventually reduced to zero and can no longer be used by insurers to determine premiums, certain violations will remain on your driving record permanently and may impact future consequences if you become a repeat offender.

What to Do After a Speeding Ticket in Missouri

If you get a speeding ticket in Missouri, the citation should have instructions on how to proceed. Here are the steps you should take.

Decide whether to pay the fine. When you receive a citation, you generally have two options: paying the fine, which constitutes an admission of guilt, or pleading not guilty and appearing in court to fight the ticket. Even if you were speeding, appearing in court can sometimes result in lowered penalties.
Respond by the deadline. In Missouri, you have 30 days to respond to a traffic citation, which means either paying the fine or indicating that you plead “not guilty” and returning the citation by mail. Missing the deadline will result in more penalties, which may include an increased fine or license suspension.
Check your points. Missouri assigns points on your driving record for moving violations, and accumulating too many points within a certain period can lead to license suspension or revocation. Knowing how many points you’ll incur due to your speeding ticket can help you understand the potential consequences.
Look into defensive driving courses. Depending on your county, you may be able to get court approval to complete a Driver Improvement Program (DIP) and lower the points added to your license.
Monitor your insurance rates. A speeding ticket may increase your premium when your policy renews. The impact depends on factors such as the severity of the violation, your driving history, and your insurance company. If your insurer raises your rate, shop around to see if it might make sense to switch providers.

Recap

A speeding ticket in Missouri can have both immediate and long-term consequences, including fines, points on your driving record, and potentially higher insurance premiums. Drivers with a speeding ticket in the Show-Me State can expect to pay around 19 percent more for car insurance.

While the overall impact depends on the severity of the violation, the provider, and your driving record, driving safely moving forward and shopping around from multiple companies can help you find more affordable coverage.

Frequently Asked Questions

How do you get a speeding ticket off your record in Missouri?

Once a speeding ticket has been added to your record, your options to remove it are limited. In Missouri, ticket convictions may be removed from your driving record after a certain period — generally three years after the conviction, or five years after your license is reinstated if the conviction resulted in a suspension or revocation due to point accumulation. Not all convictions qualify, so check with the Missouri Department of Revenue for your specific situation. If you haven’t paid the ticket yet, you may be able to contest it in court and avoid points on your driving record.

Is it worth fighting a speeding ticket in Missouri?

It depends. If you believe the ticket was issued in error or the evidence is inaccurate, it’s usually worth it to contest it. It may also make sense to fight the ticket if a conviction could result in points on your driving record, higher insurance premiums, or put you at risk of a license suspension. If the violation is minor and the costs of contesting the ticket outweigh the potential savings, paying the fine may be the better option. Before making a decision, consider the long-term impact on your insurance rates in addition to the cost of the ticket itself.

How much is a 20 mph over ticket in Missouri?

A ticket for going between 20 and 25 mph over the speed limit in Missouri carries a fine of $200.50. If you’re caught going more than 25 mph above the speed limit, the violation is more severe, and you’ll need to appear in court.

Can I just pay my ticket and not go to court in Missouri?

In many cases, yes. Many speeding tickets in Missouri can be resolved by paying the fine without appearing in court, but doing so will add points to your record. Not all violations are eligible for payment by mail or online. For more serious speeding offenses, court appearances are mandatory.

Citations

Speed and Aggressive Driving. Missouri Coalition for Roadway Safety. (n.d.). https://www.savemolives.com/mcrs/speed-aggressive-driving
Fine Schedules. Missouri Courts. (n.d.). https://www.courts.mo.gov/page.jsp?id=310
Missouri Driver Record Traffic Violation Descriptions and Points Assessed (Form 899). Missouri Department of Revenue. (2025, Aug.). https://dor.mo.gov/forms/899.pdf
Tickets and Points FAQs. Missouri Department of Revenue. (n.d.). https://dor.mo.gov/faq/driver-license/tickets-points.html