How long does a speeding ticket stay on your record in Georgia

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If you’ve recently received a speeding ticket in Georgia, you might wonder how long it will impact your driving record. In Georgia, a speeding ticket typically stays on your record for 2 years.

The exact duration depends on factors such as the severity of the violation, how fast you were traveling and whether it’s your first or a repeat offense.

A speeding ticket usually adds points to your driving record, and these points can affect your driver’s license status and potentially lead to increased insurance premiums.

How much does a speeding ticket increase car insurance costs?

A single speeding ticket in Georgia can raise your annual car insurance premiums by an average of $701. However, the actual amount depends on factors such as your driving history, state laws, insurance company and the severity of the violation.

A clean driving record before the citation may minimize the increase. However, if you already have multiple tickets or violations, insurers may view you as a high-risk driver and raise your premiums more steeply.

Each insurer calculates risk differently. Some insurers impose a fixed surcharge for a ticket, while others add penalty points to your policy that may gradually raise your rate over time.

How a speeding ticket affects car insurance premiums in Georgia

Receiving a speeding ticket can increase your car insurance premiums in Georgia, but the amount varies significantly by insurer. In Georgia, insurance companies assess risk based on various factors, including your driving history and the severity of the violation.

For instance, Mercury Insurance increases car insurance rates by $1,172 in Georgia after one speeding ticket, whereas Geico increases premiums by $1,004 annually, based on our rate analysis.

See the table below to find out how much car insurance companies increase premiums in Georgia after a single ticket and after multiple speeding tickets.

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How to remove a speeding ticket from your record

There are a few options you can explore to remove a speeding ticket from your record.

• Check state laws: Each state has rules and processes for handling speeding tickets. Visit your state’s Department of Motor Vehicles (DMV) website or contact them by phone. A representative can explain how long tickets remain on your record and your options for mitigating their impact.
• Fight the ticket in court: If you believe you were wrongly cited and have evidence supporting your case, you can contest the ticket. If you win, the ticket won’t show up on your record.
• Request a deferral: A deferral postpones the ticket to a later date, giving you extra time before it appears on your driving record. This delay can prevent your insurance company from finding out about the moving violation immediately, which may help keep your insurance rates from increasing.
• Keep your record clean going forward: Following all traffic rules and being a safe driver is the easiest way to avoid traffic ticket troubles. Staying ticket-free helps maintain lower insurance costs.

How to prevent future speeding tickets

To prevent speeding tickets in the future, you can take the following steps:

• Know the speed limits: Always be aware of the speed limit when you’re driving, particularly in residential areas and school zones.
• Use cruise control: On highways, cruise control can help you maintain a constant speed and avoid exceeding the posted limit.
• Stay focused: Pay attention to your surroundings and avoid distractions like texting or talking on the phone while driving.
• Avoid tailgating: Keeping a safe distance from other vehicles helps you react quickly to sudden changes in traffic and avoid potential accidents.
• Practice safe driving habits: Developing habits like smooth acceleration, braking and steering can improve your skills behind the wheel. A defensive driving class also can help you be a better driver and may even result in a small discount on your car insurance.

Final thoughts

Although dealing with a speeding ticket can be stressful, knowing how long it remains on your record in Georgia gives you better control over your driving history and insurance rates. By staying informed, adhering to speed limits and taking proactive steps like taking a defensive driving class, you can minimize the long-term impact of traffic violations and ensure safer driving habits in the future.

Methodology

Insure.com commissioned Quadrant Information Services to get car insurance rates for a 40-year-old male and female driver with full coverage insurance (100/300/100 coverage limits with a $500 deductible) on a Honda Accord LX after getting a speeding ticket.

The problem reports pulled were for speeding 30+ over the limit, speeding tickets 1-10 MPH over the limit, speeding tickets 11-29 MPH over the limit and 2 speeding tickets 11 mph or over.

To evaluate the premiums, we compared 50,73,544 insurance quotes in 1,468 ZIP codes from 138 national and regional insurance companies.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.