State laws differ regarding auto insurance in the US. Generally no insurance company is allowed to increase your auto insurance rates after just one speeding ticket. So your premium rate will remain the same if you have just one speeding ticket.
Insurance companies consider a driver with speeding tickets as high risk. In their opinion those who speed are irresponsible drivers and are more likely to cause accidents. Accidents mean the insurance companies have to pay for the damages and even administrative costs. To set off this loss, the insurer will levy a surcharge for speeding tickets. This raised fee will also discourage the driver concerned to be careful in driving and not to be ticketed for speeding.
Some insurance companies have different guidelines on raising insurance premium rate due to a speeding ticket based in the severity of the violation. Some other insurers will hike their rates after a specific amount of penalty imposed for the speeding violation. Depending upon the various parameters that go into the increase in rates for speeding tickets, the average increase can be around $50 for a year. This raised rate will apply for the next three to five years, so as to make the drivers to mend their driving habits and avoid speeding in future, according to the insurer’s point of view. Anyway if it is the first time, the rise will be smaller and will be steeper for repeated violations.
In addition to the raised rate a court charge of $250 will be imposed on the erring driver. But some states have ticket forgiveness in exchange for attending defensive driving classes. This may save you hundreds of dollars against a small fee for the driving classes. If the ticket is for minor moving violation for driver with a good driving history the states may even allow dismissal of the ticket if the driver exceed the limit by a few miles which is considered a minor moving infraction. The driver can approach a court to defend himself as if the violation is a minor one as the judge will dismiss the ticket.
As many people have infractions insurance companies tend to ignore them and will try to get your business and would offer good deals on your car insurance. With such blemished driving history it is not the end of the road as you can get a better deal from a different insurance provider. So by being proactive you can avoid being trapped in one rate for fear that no other insurer will cover you. Shop around so that you can get a cheaper premium rate for your auto insurance. This is a money saving step that you can take under these circumstances and avoid being penalized by higher rates.