How speeding affects your insurance in Vermont


Vermont recorded 47 speeding-related fatalities in 2019, according to the National Highway Traffic Safety Administration (NHTSA). While speeding does not always lead to an accident or death, there are other serious consequences to consider. For example, how long does a speeding ticket stay on your record in Vermont? A speeding ticket in Vermont carries penalties and fines, not to mention an increase in insurance premiums. A speeding ticket increases the national average cost of auto insurance by 38%, according to Bankrate’s 2021 study of annual listed premiums.

How much does a speeding ticket cost in Vermont?

The cost of a speeding ticket in Vermont depends on the number of miles per hour (mph) over the limit you are driving and where the speeding takes place. Vermont increases the fine with each individual mile over the limit. One mile over the limit is a low of $ 53, with gradual increases up to $ 507 for 50 mph over the limit. The fines almost double if you are caught speeding in a construction zone.

Additionally, if a driver is caught exceeding the speed limit by more than 60mph on a highway or 30mph in a local area, he can face a prison sentence of up to three months and a fine of up to three months. go up to $ 300. A second speeding conviction carries a jail term of up to six months and a fine of up to $ 500.

How much does a speeding ticket increase your car insurance in Vermont?

In addition to fines, a speeding ticket in Vermont will most likely increase your auto insurance premiums. The table below shows the national average impact of a traffic ticket on full coverage premiums, whether you are considered a male or female driver. In general, female drivers tend to have lower insurance premiums because insurance companies view them as less risky as drivers.

Average annual premium for full coverage before speeding tickets Average annual premium for full coverage after a speeding ticket % to augment
Man $ 1,648 $ 2,073 26%
Female $ 1701 $ 2,051 21%
national average $ 1,674 $ 2,062 38%

Regardless of your gender or age, a speeding ticket usually results in a significant increase in premiums.

How to reduce your auto insurance after speeding in Vermont

An increase in premiums may seem inevitable, but the good news is that there are still ways to save on auto insurance rates. A little extra research on your part could result in savings, even after an increase in insurance caused by a traffic ticket. Taking some of the following steps may help.

Get quotes from other auto insurance companies

The first strategy to save money is to shop around and compare the rates of several car insurance companies. The table below shows the difference in rate that one company can charge compared to another, even with exactly the same settings. Switching operators can be the most efficient way to save on premiums.

Auto insurance company Average annual premium for full coverage before a speeding ticket Average annual premium for full coverage after a speeding ticket % to augment
Allstate $ 1,893 $ 2,172 15%
Geico $ 968 $ 1,136 17%
At national scale $ 984 $ 1,152 17%
United States $ 807 $ 912 13%

* Premiums are the average annual premiums for full coverage for people 40 years of age

The amount you pay for premiums is essential, but there are other aspects of auto insurance that you should consider as well. Checking an operator’s background with customer service reviews and ratings, and reviewing policy management assets such as websites and apps are two examples of other areas to look into.

Take a defensive driving course

If you haven’t already, taking an approved defensive driving course is another way to potentially save on premiums. Most carriers offer discounts for registering and passing a defensive driving course, where you learn valuable road safety skills. Make sure to work with your insurer to make sure the course is approved before signing up to maximize your reduction potential.

Change policy options

Another effective way to reduce the cost of premiums is to modify existing coverage with your current policy. While it is extremely important to maintain at least some liability insurance, other coverage options on your policy may not be as essential. For example, if you are currently paying for roadside assistance, you might consider removing it from your policy if you also have this coverage from another third party, such as your credit card company.

Other considerations for speeding tickets

In addition to possible penalties, fines and jail time, Vermont uses the point system for traffic violations. This means that each traffic violation is worth a certain number of points and the more points you accumulate, the more likely you are to lose your license. If you lose your license, you will have to pay a reinstatement fee to get it back. A speeding ticket is generally assessed at two points.

Frequently Asked Questions

What is the best auto insurance company for drivers with speeding tickets?

To find the best auto insurance company for your budget, driving record, and needs, comparing multiple carriers is one of the best tactics. By comparing customer service reviews, financial strength ratings, discounts, and coverage options, it’s easier to decide which business is right for you. If nothing else, it can confirm that you are already with the best option for your situation.

Should I notify my insurance company that I received a speeding ticket in Vermont?

No, you are not legally required to report a speeding ticket in Vermont if your insurer does not ask for it. However, the insurance company will likely discover the violation when your driving record is reviewed during a renewal period. An insurance company can also review your file at any time.

Why have my insurance premiums increased after speeding?

Insurance companies assess rates based on risk. A driver with a speeding ticket is considered a higher risk. When your risk is judged to be higher, premium rates also increase.


Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 in civil liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used a minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

These are sample rates and should be used for comparison purposes only.

Incident: The rates were calculated by evaluating our basic profile with the following incidents applied: clean criminal record (basic) and simple speeding.


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