How a Speeding Ticket Impacts Your Insurance in New York

A speeding ticket raises average car insurance rates in New York by about 6 percent, or a little under $200 annually.

Get quotes from providers in your area

Tracy S. Lee holds over 10 years of professional experience in writing, research, and storytelling for brands and individuals. She understands that the world of auto insurance can feel intimidating, like learning a new language, and she is committed to empowering consumers to ask more questions and to find the best protection and coverage to suit their specific needs. Tracy received a B.A. in Creative Writing at NYU’s Gallatin School of Individualized Studies.

Read Full Bio

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.

Read Full Bio

Last updated: July 12, 2026

We dedicate thousands of hours to analyzing the insurance market so you don't have to. Our editorial team comprised of dynamic writers, editors, journalists, and researchers, holds years of experience creating high-quality auto insurance content. Our work has been featured in USA Today, MSN, Yahoo, CBS News, and other local and national publications.

20: Years of Industry Knowledge
1,000+: Research & Analysis Hours
2M+: Customer Transaction Data Points
3,000+: Local Agent Partners

At AutoInsurance.com, we are dedicated to providing valuable information and resources for helping you make informed decisions about your auto insurance needs. That said, it’s important for us to be transparent about our business model and how we operate, while also ensuring our commitment to editorial independence.

We make money through our partnerships with select auto insurance providers. Whenever anyone signs up for an auto insurance policy through our services, the provider compensates us at no cost to the customer. This compensation is on a per-lead basis, so it’s not based on transactional data, which we do not receive. Heres a list of our partners.

Key Takeaways: How a Speeding Ticket Impacts Your Insurance in New York

A speeding ticket raises average car insurance rates in New York by about 6%, or a little under $200 per year.

New York full coverage averages $2,882/year with a clean record, rising to $3,052 after a ticket.
Progressive and USAA offer the cheapest average rates for drivers with a speeding ticket.
Completing New York’s PIRP course cuts up to 4 points and lowers premiums by 10% for three years.
Speed camera tickets don’t affect insurance rates, since they’re tied to the vehicle, not the driver.

There were 1,101 fatal motor vehicle crashes in the state of New York in 2024. While the number of total fatal crashes decreased from previous years, about one-third of these deaths involved speeding.¹

Speeding is not only dangerous, but it raises insurance premiums. We’ll look at how much speeding tickets raise rates on car insurance, and what you can do about it.

How Much a Speeding Ticket Increases Insurance in New York

On average, your premium will increase by about 6 percent after a speeding ticket hits your driving record in New York. Exactly how much your rate goes up differs by insurance company, and rate increases are usually steeper for serious speeding infractions.

New York is already one of the most expensive states for car insurance: the average cost of car insurance in New York is $2,882 for full coverage, which is about 18 percent higher than the national average. Progressive and USAA (for those eligible) have the cheapest rates on average after a ticket.

Average annual cost of car insurance in New York	With a clean record	After a speeding ticket	Percentage increase
New York average	$2,882	$3,052	6%
GEICO	$2,579	$3,035	18%
Progressive	$1,848	$1,980	7%
NYCM	$2,227	$2,370	6%
State Farm	$3,017	$3,307	10%
USAA	$2,239	$2,346	5%

Keep in mind that these numbers are just averages. Auto insurance rates depend on many factors beyond whether you’ve had a speeding ticket, including age and credit score. Getting a quote will give you a more precise idea of how much you will pay.

How to Lower Premiums After a Speeding Ticket

Complete the Point & Insurance Reduction Program

In New York, accumulating 11 or more points on your driving record within an 18-month period can lead to a license suspension. To avoid license suspension and reduce the base rate of your insurance premiums by 10 percent, you can participate in New York’s Point & Insurance Reduction Program (PIRP), a state-approved comprehensive driver safety course.

While the points and tickets technically remain on your driving record for up to four years, completing the course can reduce up to four points from the total points counted toward a suspension within an 18-month period. By completing the course, you also reduce the base rate of your insurance premiums by 10 percent for three years.

Classes are 320 minutes long, and the fee varies by provider. Upon course completion, the PIRP course sponsor will notify the DMV, and the DMV will then reduce the active points on your record by up to 4 points. To receive your 10 percent insurance discount, send your completion certificate to your insurance provider within 90 days.²

You can find a list of approved PIRP courses here: https://dmv.ny.gov/pirp/online

Cost of a Speeding Ticket in New York

Speeding in New York can cost you hundreds of dollars in fines, imprisonment, and points on your driving record, even if you were driving less than 10 miles per hour (mph) over the limit.

Consequences by miles per hour (mph) over the speed limit	Up to 10 mph over	10-30 mph over	More than 30 mph over	Inappropriate speed
Minimum fine	$45	$90	$180	$45
Maximum fine	$150	$300	$600	$150
Minimum fine (work zone)	$90	$180	$360	$90
Maximum fine (work zone)	$300	$600	$1,200	$300
Maximum imprisonment in days	15	30	30	15
Points	3	11-20 mph over: 4 21-30 mph over: 6	31-40 mph over: 8 More than 40 mph over: 11	Speed not indicated: 3

Fines increase for more than one speeding violation in 18 months, and your license will be revoked for three convictions in the same time period. Note that the penalties vary in school speed zones and restricted highways, and you may have to pay a state surcharge in addition to your fine.³

For red light or speed camera violations that occur in New York City, you’ll pay $50, plus $25 if the ticket is 30 days overdue, and 9 percent interest after 100 days, plus one-twelfth of this interest until you pay the judgment.⁴

Driver Responsibility Assessment (DRA)

If you receive six points on your driver record for violations committed during an 18-month period or are convicted of certain traffic offenses, like an alcohol or drug-related driving offense, you must also pay a Driver Responsibility Assessment (DRA). The DRA is a separate fee you pay to the DMV over three years.

If you receive six points on your record during an 18-month period, the annual assessment is $100, and the total assessment for three years is $300. If you receive more than six points on your driver record over 18 months, the annual assessment is $25 for each additional point. If you are convicted of an alcohol or drug-related driving offense, the annual assessment is $250, and the total assessment for three years is $750.

You can pay your DRA the following ways:⁵

Online
https://transact3.dmv.ny.gov/DriverRespAssessment/
By mail
Send a check to the following address: DRA Processing Center
207 Genesee Center
Utica, NY 13501
At a DMV office

NEW NYC TRAFFIC LAW:

In 2024, the New York City Department of Transportation (NYC DOT) enacted Sammy’s Law, granting the city the authority to lower speed limits to 20 mph on individual streets and down to 10 mph on streets undergoing safety-related redesigns. Since the end of 2025, NYC DOT has reduced speed limits in 250 locations, prioritizing high-need areas such as school zones.⁶

What to Do After Receiving a Speeding Ticket

If you get a speeding ticket, you’ll most likely want to plead guilty and pay for it. However, that process looks different depending on where you were speeding: in any of New York City’s five boroughs or outside of NYC.

Tickets in New York City

In New York City, you can pay tickets online through the Department of Motor Vehicles (DMV) Traffic Violations Bureau (TVB), accessible at https://transact2.dmv.ny.gov/pleadnpay/

The TVB, however, does not handle the following:

Parking tickets
Red light or speed camera tickets
Misdemeanor or Felony offenses like driving under the influence (DUI)

For speeding tickets you want to fight, you will need to schedule a hearing. Your hearing will take place in a TVB office in the jurisdiction where the ticket was issued. You will have the option to attend the hearing in person, virtually, or submit a Statement In Place of Personal Appearance (SIPOPA). If you submit a SIPOPA, you’ll receive the court’s decision via email.⁷

To submit a SIPOPA, use the following link: https://eservices.dmv.ny.gov/TAP/eServices.

If you want to appeal a conviction, you can do so within 30 days by paying a $10 appeal fee and completing an online form at https://transact2.dmv.ny.gov/WebAppeals/?_ga=2.71350419.1635631899.1688563574-1904031508.1688563574.

Or you can appeal via mail by sending payment and the form to the below address:

DMV Appeals Board
P.O. Box 2935
Albany, NY 12220-0935

Again, you’ll receive a letter with your appeal status.⁸

Tickets Outside of New York City

For violations that occur outside of NYC, you’ll pay your ticket or file an appeal with the local court of the village, county, city, or town in which you were ticketed. You can find the local court at https://www.nycourts.gov/courts/.

Make sure to respond to your ticket, whether that’s with a guilty, not guilty, or no contest plea. If you ignore it, the state will suspend your driver’s license, and you’ll have to pay $70 to end the suspension, plus the ticket fee. You could also face higher auto insurance costs.⁹ Learn how a license suspension affects insurance.

Other Traffic Violations That Affect Car Insurance

In addition to speeding, avoid the following traffic violations to keep your car insurance rates low in the Empire State:

Failure to signal
Improper cell phone use, like texting and driving, otherwise known as distracted driving
Improper turn
Not stopping for a school bus
Not yielding the right-of-way
Reckless driving
Illegal window tinting
Driving without a license
Unregistered vehicle
Leaving the scene of an accident

DID YOU KNOW?

Fines for texting while driving in New York range from a minimum of $50 for the first offense all the way up to $450 for third and subsequent offenses within 18 months of the first offense.¹⁰

Conclusion

Although New York car insurance rates run higher than the national average, the average increase after a speeding ticket is modest. However, you can face fines of up to $600, points on your record, and potential jail time. USAA and Progressive tend to have the cheapest rates after a ticket.

Frequently Asked Questions

Does having four points increase your insurance premium in NY?

Yes, usually. A speeding ticket, often resulting in 4 license points, may lead to an average car insurance premium increase of approximately 6%.

How long does a speeding ticket stay on your record in New York?

A speeding ticket stays on your record in New York for four years, or 10 to 15 years if the speeding offense involved drugs or alcohol. That is how long the associated points stay on your driving record, according to the state’s Department of Motor Vehicles, and the number of points you have can influence your insurance costs. However, most insurers only look back 3 to 5 years on your record when determining your insurance rates.

How much do two points affect insurance in New York?

It depends. New York car insurance laws dictate that providers can’t raise your premium for a two-point moving violation if you have a clean record. However, insurers can increase rates if you rack up two moving violations within 36 months.

Do speed camera tickets affect insurance premiums in New York?

No, speed camera tickets do not affect insurance premiums in New York because the camera identifies only the vehicle, not the driver. While you will be charged $50 for the offense, you won’t have any points added to your license, and your premium will not increase.

Should I plead guilty to a speeding ticket in New York?

If you believe you were guilty of speeding in New York, you should plead guilty. However, if you believe the ticket was wrongly issued, you should plead not guilty to potentially avoid fines and imprisonment.