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How long do accidents and tickets affect my car insurance premiums?

I just got ticketed for speeding, and I also have a two-year-old at-fault accident on my record. How long will they affect my rates?

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Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The length of time that tickets and accidents can impact your insurance rates vary from state to state. In most cases, it is an average of three years.
For moving violations and tickets, a surcharge will be added to your policy upon renewal and after the court date of the violation. For accidents, a surcharge will be added upon renewal after the claim is closed.
While tickets and accidents will typically be surcharged on your policy for three years, the surcharge will lessen each year and then fall off.
In your case, the accident will probably come off your policy in a year. You may need to wait three years to be rid of the speeding ticket surcharge.
Not all insurance carriers rate accidents and tickets in the same way. If your current rate is too high, look for
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