Much Does Auto Insurance Increase After Speeding Ticket? 
A speeding ticket will not always increase your auto insurance rate . For example , the insurer may check your driving record every 2-3 years . in those instances , you may have a few years of retaining specific discounts before there is a rate change . Of course , the carrier may check the record annually . It is also possible the ticket has no impact on your rates . Each company is different with separate sets of underwriting guidelines . When applying for a new policy , a recent ticket will have a bigger impact . Since the underwriting department bases your premium on your current driving record , it will likely impact the rate you are offered . 