How a Speeding Ticket Impacts Your Insurance in Nevada

A speeding ticket in Nevada raises insurance costs by an average of 11 percent, which translates into $377 per year.

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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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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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Last updated: July 12, 2026

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Key Takeaways: How a Speeding Ticket Impacts Your Insurance in Nevada

A speeding ticket raises Nevada car insurance rates by an average of 11%, or about $377 per year.

USAA has the smallest rate increase after a ticket, raising premiums just 9%.
Travelers sees the steepest jump, with rates rising 19% after a speeding citation.
Speeding convictions can stay on your record for about three years, even after license points are removed.
Attending traffic school, switching providers, or choosing pay-per-mile coverage can help lower costs.

Speeding tickets can happen to anyone. Even cautious drivers get caught in speed traps from time to time. In addition to paying for the ticket, you can expect an increase in your auto insurance premium. That’s because insurance providers see speeding as a sign of risky driving. Let’s dive into how much you’ll pay in Nevada and ways to lower costs.

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How a Speeding Ticket Impacts Your Insurance and Driving Record in Nevada

Insurance Rate Hikes

On average, in Nevada your auto insurance costs will rise by about 11 percent after a speeding ticket. It’s worth looking into different providers, as the exact increase differs by company.USAA and Travelers have the cheapest rates, on average, after a ticket, followed by Progressive.

Company	Average annual cost for full coverage without a speeding ticket	Average annual cost for full coverage with a speeding ticket	Increase
Allstate	$3,633	$4,104	13%
American Family	$4,272	$4,454	4%
GEICO	$2,907	$3,356	15%
Mercury	$3,350	$3,918	17%
Progressive	$2,724	$2,996	10%
Travelers	$2,085	$2,479	19%
USAA	$1,994	$2,170	9%
Nevada average	$3,373	$3,750	11%

Points on Your License

A speeding conviction will add points to your license. The exact number of points depends on how fast you were going:¹

Miles per hour (mph) over the posted limit	Points
1-10	2
11-20	2
21-30	4
31-40	4
41 or more	5
Driving too fast for conditions (also known as a prima facie speed violation)	2

The Nevada DMV removes the points from your license one year after your conviction. However, the conviction itself stays on your permanent record, so it may still affect your premium even after the points are gone. Most insurance companies look about three years back on your record when determining rates, so expect increased rates during that time.

NOTE:

If you accrue between 3 and 11 points, the Nevada DMV will deduct 3 points if you take an approved traffic safety course (assuming attending traffic school is not a requirement of a plea deal). If you accrue 12 points within a year, your license will be suspended for 6 months.

How to Lower Your Premium After a Speeding Ticket

There are several ways you can lower your auto insurance costs after a speeding ticket:

Attend traffic school. If you voluntarily take a traffic safety course, the Nevada DMV will remove three points from your license. This can mitigate insurance increases after a ticket. You can do this once every 12 months.²
Switch providers. Some companies are more forgiving after a speeding ticket than others. Get quotes from at least three providers to find the cheapest rates. Most companies won’t charge a fee when you cancel your auto insurance policy (especially if you’ve held the policy for longer than a month), so there’s little to lose by shopping around.
Drive less. With a pay-per-mile insurance company, your auto insurance costs are tied to your mileage. If you carpool, have a short commute, or use your car only for errands, you can save money by switching to a pay-per-mile policy. These policies make the most sense for people who drive less than 8,000 miles per year.
Reduce your coverage. Opting for the minimum coverage will result in the biggest savings. However, keep in mind that minimum coverage won’t pay for damage or injuries to your vehicle or passengers. Additionally, if the other party’s damages exceed your limits, they can sue you to recover the difference.

Cost of Speeding Ticket in Nevada

The fine for a speeding ticket depends on the city and county. Nevada law states that speeding fines can’t exceed $20 per mile over the limit.³ Some jurisdictions set their own fine amounts. For example, Las Vegas speeding fines are $205 for the first offense and $230 for the second offense.⁴

What to Do If You Get a Speeding Ticket

There are two routes you can take if you get a speeding ticket in Nevada:

Plead guilty or no contest. Pleading guilty and no contest are similar, with a few technical differences. In both cases, you will pay the fine, which you can do online at: https://nvcourts.gov/supreme/how_do_i/pay_a_ticket. In some cases, you may be able to negotiate with the judge for a lower fine or alternative sentence, such as community service or attending traffic school.

WHAT’S THE DIFFERENCE?

By pleading guilty, you acknowledge you committed the offense. When you plead no contest, you do not admit guilt but accept the fine and punishment associated with the citation. Not admitting guilt can be beneficial in civil court if there are other damages associated with the charge.

Plead not guilty. If you plead not guilty, the court will assign you a trial date, and you will have the chance to present evidence (such as video recordings and witness testimony) to prove your innocence. If the officer does not show up, the court may dismiss the case, but often courts reschedule hearings if officers can’t attend. If you win, you avoid points, the fine, and an increase in your premium. If you lose, you may have to pay court costs in addition to your fine. Regardless, fighting a ticket can be time-consuming and stressful, so consider whether you have the bandwidth to do it before choosing this route.

Whether you choose to plead guilty, no contest, or not guilty, make sure you address the citation by the due date on your ticket. If you don’t, the court has the right to issue a warrant for your arrest.

Other Traffic Violations That Affect Car Insurance

In addition to speeding tickets, the following violations can also raise your premium. Note that while they’re typically less severe, nonmoving violations can also affect your premium.

Moving

Reckless driving
Running a red light or stop sign
Driving under the influence
Failure to yield
Driving without insurance
Texting and driving

Nonmoving

Missed or lapsed insurance coverage
Equipment violations (e.g., broken headlight or taillight)
Severe parking violations (e.g., if they result in a towed or impounded vehicle)

Recap

In Nevada, a speeding ticket will result in fines totaling up to $20 per mile driven over the posted limit. Additionally, drivers caught speeding see their insurance premiums increase by an average of 11 percent. USAA, Travelers, and Progressive have some of the cheapest rates for insurance after a speeding ticket. Get quotes from at least three providers to find cheap car insurance in Nevada after a ticket.

Frequently Asked Questions

What tickets don't affect insurance?

Minor parking tickets and nonmoving violations rarely affect insurance premiums. These include expired meters, parking in a no-parking zone, and expired inspection stickers. Depending on the situation, minor equipment issues (e.g., a cracked windshield) may not affect your insurance premium either.

Does one point affect insurance in Nevada?

One point may affect your insurance in Nevada, but it depends on the violation. Insurance companies look at accidents and violations on your driving record, not the actual number of points. For example, if you get points for a minor violation like improper use of high beams, your insurance premium may increase, depending on how risky your insurance company views the violation. In general, minor violations cause negligible increases, if any.

Can you get a ticket for driving too slowly in Nevada?

Yes, it is possible to get a ticket for driving too slowly in Nevada. Most often, this happens when you don’t drive fast enough when you’re in the left lane of a highway. A first-time citation is $50, a second-time citation is $100, and a third-time citation is $250.

Is a speeding ticket a misdemeanor in Nevada?

In most cases, a speeding ticket is not a misdemeanor in Nevada. In July 2021, Nevada passed a bill decriminalizing most traffic offenses (including speeding) and categorizing them as civil infractions instead. However, the bill has an exception for speeding 30 mph or more above the limit, which can result in a misdemeanor charge.

Sources

Demerit Point System. Nevada DMV. (2026).
https://dmv.nv.gov/dlpoints.htm
Traffic Safety Schools. Nevada DMV. (2026).
https://dmv.nv.gov/dlschoolstss.htm
2025 Nevada Revised Statutes- Chapter 484B – Rules of the Road. Justia U.S. Law. (2026).
https://law.justia.com/codes/nevada/chapter-484b/statute-484b-600/
Nevada Fine Amounts For Las Vegas Traffic Violations. Las Vegas Traffic Tickets. (2023).
https://trafficticket.vegas/fines/