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Last updated: September 12, 2023

How a Speeding Ticket Impacts Your Insurance in Ohio

Plus, how you can avoid points and rate hikes in the first place

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In 2021, a quarter of all fatal motor vehicle crashes in Ohio involved speeding, according to the most recent data from the National Highway Traffic Safety Administration. More than half of these speeding-related fatal crashes involved a driver with a blood alcohol content (BAC) of 0.08 percent or higher, meaning they were impaired.

To stay safe on the roads, drivers should always follow the speed limits and drive sober. Aside from preventing fatalities and injuries, you’ll also keep your insurance rates low and avoid other penalties associated with speeding tickets. Let’s take a closer look at the real cost of speeding in Ohio.

How a Speeding Ticket Impacts Your Insurance in Ohio

On average, premiums for car insurance in Ohio increase by 21 percent after a speeding ticket.

Insurance costs Before a speeding ticket After a speeding ticket Percentage difference
Average annual cost of car insurance in Ohio $1,108 $1,336 21%

Expect higher auto insurance rates the more miles per hour (mph) over the speed limit you were driving or if you have multiple points on your driver’s license. Car insurance companies determine rates based on your driving history, among other factors, so as long as speeding tickets stay on your driving record, as well as any moving violation, expect to pay more for insurance.

How Drivers With a Speeding Ticket Can Find Cheap Insurance

With a speeding ticket on your record, insurance companies will designate you a high-risk driver. As a result, they’ll charge you higher rates than someone with a clean driving record. However, you can keep costs as low as possible in a few ways.

Get Minimum Coverage

Minimum coverage is always the cheapest car insurance option, and in Ohio, that means getting liability coverage only with the following limits.

  • $25,000 in bodily injury liability per person, $50,000 per accident
  • $25,000 in property damage liability coverage per accident1

But remember that liability coverage covers only parties outside of your car. In other words, if you cause an accident, you’ll have to pay for your own property damages and the injuries of you and your passengers out of pocket. Skimping on coverage now could mean higher costs later on, which is why we recommend getting full-coverage car insurance, even though it costs more than minimum coverage.

Raise Your Deductible

If you have collision and comprehensive coverage, raising your deductible will make your rates lower. However, don’t make the deductible too high. If you can’t actually afford to pay it, the coverage becomes obsolete, as your insurance company requires you to pay the deductible before your coverage will kick in.


Once your deductible is paid, your collision and comprehensive coverage will reimburse you for any auto repairs or replacements you need, up to your car’s actual cash value (ACV) — the amount you’d get if you sold your vehicle tomorrow.

Get Discounts

Every insurance company offers auto insurance discounts, from savings for paying your policy in full to deductions for enrolling in pay-per-mile insurance. Ask your agent which discounts apply to you.

Lower Your Limits

Even if you have full coverage car insurance, which includes collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage, lowering the limits will mean a lower premium as well.

Drop Add-on Coverages

You can also drop entire coverages you don’t need, like roadside assistance or rental car coverage. Additionally, someone with an older car may drop collision and comprehensive coverage. Ditching these will cut your premium.

The Cost of a Speeding Ticket in Ohio

The cost of your speeding ticket will depend on the municipality in which you receive it. Here are the costs of a speeding ticket in three municipalities in Ohio: Harrison,2 Lebanon,3 and Montgomery.4

Amount over speed limit in miles per hour (mph) Cost in Harrison (not in a school zone) Cost in Lebanon Cost in Montgomery
1 $120 $175 $95
2 $120 $175 $95
3 $120 $175 $95
4 $120 $175 $95
5 $120 $175 $95
6 $120 $175 $95
7 $120 $175 $95
8 $120 $175 $95
9 $120 $175 $95
10 $120 $175 $95
11 $120 $185 $95
12 $120 $185 $95
13 $120 $185 $95
14 $120 $185 $95
15 $120 $185 $95
16 $120 $195 $115
17 $120 $195 $115
18 $120 $195 $115
19 $120 $195 $115
20 $120 $195 $115
21 $150 $205 Not listed
22 $150 $205 Not listed
23 $150 $205 Not listed
24 $150 $205 Not listed
25 $150 $205 Not listed
26 $150 $215 Not listed
27 $150 $215 Not listed
28 $150 $215 Not listed
29 $150 $215 Not listed
30 $150 Not listed, but must appear in court Not listed
31 $150 Not listed, but must appear in court Not listed
32 $150 Not listed, but must appear in court Not listed
33 $150 Not listed, but must appear in court Not listed
34 $150 Not listed, but must appear in court Not listed
35 $150 Not listed, but must appear in court Not listed

What to Do If You Get a Speeding Ticket

Here’s what to do if you’re caught speeding in Ohio.

Enter Your Plea

After getting a speeding ticket, you have three options when it comes to your plea:

  • Guilty: Guilty means you have committed the offense and will pay your ticket before it’s due.
  • Not guilty: Not guilty means you will go to trial and the city must prove your guilt beyond a reasonable doubt. Choose this plea if you believe you were not breaking the speed limit and are disputing the facts in the case. After your initial court appearance, your case will be set for one to three weeks later.
  • No contest: No content isn’t an admission of guilt, but it means you are agreeing with the facts of the case. The court will determine your guilt or innocence based on these facts. Note that in almost every instance of a no-contest plea, the result is a guilty finding. However, you have the chance to add any facts to the record that you feel explain your circumstances or should lessen your sentence.

Take a Driving Course

In certain cities, like Columbus, you can take a defensive driving course and have the speeding ticket removed from your record completely so it won’t increase your insurance premium. You’ll have to pay only the court costs, and your driving record will remain points-free.5

Pay the Fine

If you’re entering a guilty plea, pay your fine either online at or in person at your local police department or BMV (Bureau of Motor Vehicles) location.

Appeal the Fine

If you were required to pay the fine after a guilty verdict, you can appeal to your county’s municipal court. Before you pay the fine, let the court’s clerk know and consult an attorney.

More Traffic Violations That Affect Car Insurance

Any traffic violation on your record will result in a higher car insurance premium, as a bad driving record makes you a high-risk driver in the eyes of insurers. Aside from speeding, avoid committing other traffic violations, such as:

  • Distracted driving
  • Driving under the influence
  • Driving without insurance
  • Expired license or registration
  • Failure to stop for a school bus or yield to an emergency vehicle
  • Fake registration
  • Following too closely
  • Hit-and-run
  • Littering from a car
  • Open container of alcohol
  • Parking violation
  • Reckless operation


In Ohio, 4 percent of fatal motor vehicle crashes in 2021 involved a distracted driver, while 7 percent involved hit-and-runs. Driving under the influence (DUI) was much more common: It was involved in 39 percent of fatal car crashes.


Speeding may seem like an easy and harmless way to get places faster. However, not only is speeding dangerous, but it can also raise your car insurance rates for years to come, and you might face legal penalties as well. Keep reading about the consequences of speeding in Ohio in our frequently asked questions below.

Frequently Asked Questions

Do speed camera tickets affect insurance in Ohio?

Yes, a speeding camera ticket can affect insurance in Ohio. On average, expect rate increases of 21 percent with a speeding ticket on your record.

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

In Ohio, speeding tickets stay on your record, called a driver abstract, for three years, according to the state’s Bureau of Motor Vehicles (BMV). Speeding tickets affect your insurance rates for as long as they’re on your record, so expect higher premiums for three years following a speeding violation.

How do I get rid of a speeding ticket in Ohio?

To get rid of a speeding ticket in Ohio, plead not guilty and defend yourself in court (though you may not be successful), or take an approved traffic diversion program to get the charge dismissed.

Is it worth fighting a speeding ticket in Ohio?

If you have evidence you believe disputes the facts of the case, it is worth fighting a speed ticket in Ohio. However, if you don’t have any evidence that can prove your innocence, you should plead guilty or no contest and pay your ticket.


  1. Mandatory Insurance. Ohio Bureau of Motor Vehicles. (2023).

  2. FINE INFORMATION. Harrison Ohio. (2023).

  3. Criminal & Traffic Costs/Bond Schedule. Lebanon Municipal Court. (2023).

  4. Fine Schedule. City of Montgomery. (2023).

  5. Traffic Diversion Program. The City of Columbus. (2023).