Will a 2 point speeding ticket affect my insurance rates?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 27, 2011

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Insurance Question from Broomfield, CO

Asked on 10/27/2011

Will a 2 point speeding ticket affect my insurance rates? This is my third speeding ticket in about a year. The first one I just paid in full. The second I went to traffic school. What should I do? Will my insurance company see the second ticket if i plied guilty for this one?

Answer given on October 28, 2011

They may see the second ticket.  It all depends on when your renewal date of your insurance policy takes place.  If the underwriter upon renewal of your auto policy checks your motor vehicle report (MVR), they will see it.  It all depends on the underwriting criteria for their renewal business, how long you have been with them as to how far they will check upon renewal.  Three tickets in one year is alot and you may get a non renew letter upon renewal. Or, your rates could go up. What’s done is done.  Even if you went to another insurance company, they will definitely pull your MVR.  Most insurance companies do about a three year look back on the MVR so it would be about three years before these tickets are not counted. In the meantime, do you best to slow down!  If you find yourself needing more insurance, shop around. Use our free advice quote center to get a comparison quotes for auto insurance if you are non renewed.       

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