Jan. 6, 2026, 11:28 a.m. MT
If someone recently received a speeding ticket in Arizona, the cost of car insurance is likely to increase significantly.
Getting ticketed for speeding has different costs in different states. In addition to having to pay a penalty, a speeding ticket in Arizona also typically comes with a significant increase in the price of auto insurance—the highest in the nation, in fact.
According to a recent study by the financial portal Lending Tree, speeding tickets increase car insurance rates by an average of more than a thousand dollars annually for Arizona drivers. This is much higher than the national average of around $525 extra per year.
Here’s a breakdown of how much it costs to get a speeding ticket in each state and why Arizona comes out on top.
How much does insurance increase after a speeding ticket in Arizona?
After a speeding ticket, rates increase by an annual average of $1,071.41 in Arizona, according to Lending Tree.
This makes Arizona and its neighboring state, California, the only states where drivers’ auto insurance rates increase by more than $1,000 annually after a speeding ticket.
Here’s a summary of the states with the largest dollar increases in auto insurance premiums, along with their average annual increase amount after a speeding ticket:
- 1. Arizona: $1,071.41
- 2. California: $1,004.73
- 3. Louisiana: 927 dollars
- 4. Arkansas: $897.35
- 5. Michigan: $881.60
- 6. Nevada: $873.54
- 7. Colorado: $869
- 8. Rhode Island: $797.87
- 9. Washington: $627.36
- 10. Oregon: $617.55
A speeding ticket typically stays on a driver’s record for three to five years, meaning it will no longer affect insurance rates after that period has passed.
By what percentage does car insurance increase after a speeding ticket in Arizona?
Arizona drivers’ insurance costs increase by an average of 28 percent after receiving a speeding ticket for going 11 to 15 mph over the limit. This is still higher than the national average of about 23 percent, but does not top the national list, unlike the increase in the dollar amount.
Instead, drivers in California are experiencing the largest increase, with average rates rising 42%. Still, Arizona is among the 10 states with the largest percentage increases in insurance. Here’s a breakdown of the states in the top 10 and their average percentage increase:
1. California: 42%
2. Michigan: 35.8%
3. Nevada: 31.3%
4. Rhode Island: 30.2%
5. Arkansas: 30.1%
6. Oregon: 28.8%
7. Arizona: 28.1%
8. Illinois: 27.8%
9. Pennsylvania: 26.6%
10. Colorado: 26.5%
How to Reduce Car Insurance Costs After a Speeding Ticket
If you get a speeding ticket and your insurance costs rise, there are some steps you can take to reduce costs in the long run, according to Consumer Reports and Lending Tree.
- Increase your deductible: Increasing your deductible (the cost you pay out of pocket for a covered insurance claim) is one way to quickly reduce your insurance premiums.
- Take a defensive driving course: Drivers can contact their insurance companies and request approved defensive driving courses that can reduce their premiums. Many of these courses are completely online and relatively inexpensive.
- Get quotes from other providers: If your insurance costs have increased significantly after a speeding ticket and your insurer is not cooperating to reduce costs, you can also get a quote from another auto insurance company. This can help you reduce your auto insurance expenses in the short term while you work to improve your driving record.
- Take advantage of diversion programs: If the state offers any diversion programs, completing them can prevent the speeding ticket from appearing on your record.
- Avoid additional violations. Your insurance rates will eventually go down after a speeding ticket, as long as you avoid additional fines and at-fault accidents.
How the study was carried out
LendingTree examined auto insurance rates using data analysis from Quadrant Information Services, which collects information from insurance company records. The study reviewed hundreds of thousands of quotes to compare how premiums change after a minor speeding violation.
Actual costs may vary depending on factors such as location, driving history, age, credit rating and insurer. To keep comparisons consistent, LendingTree based its analysis on a “typical driver”: a 30-year-old person with good credit and a clean driving record, who drives a 2018 Honda CR-V EX. The quotes were for full coverage policies, including liability limits of $50,000 per person and $100,000 per accident, property damage coverage of $50,000, uninsured/underinsured motorist coverage, and Collision and comprehensive insurance with $500 deductibles. Minimum civil liability policies were also considered, using the limits required by each state.
The study focused on the impact of a first speeding ticket on driving 11 to 15 mph over the permitted limit, a range identified by national and state research as common speeding behavior. Additional data on speeding violations and point systems was collected from state government sources, such as departments of motor vehicles and departments of transportation. All information was consulted in October 2025.