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Your auto insurance rate could double after a speeding ticket.
The speed limit is only a suggestion, right? Wrong. Not only is speeding dangerous, but it can also be costly — and not only in the form of a speeding ticket but also in the form of higher car insurance premiums. Having a speeding ticket on your record makes you a high-risk driver, meaning car insurance companies will charge you more in anticipation of future losses.
In the Bayou State, speeding tickets have a huge impact on car insurance, no matter if you’re cruising down Bourbon Street or checking out the French Creole townhouses of Natchitoches.
Speeding tickets raise rates for car insurance in Louisiana by 101 percent on average, so premiums more than double. However, the exact increase will vary based on a variety of factors, including your age, sex, insurance provider and the rest of your driving history.
Middle-aged drivers will see higher increases compared to teen drivers, who already pay exorbitant prices for car insurance due to their lack of driving experience. Comparing insurance rates by sex, men have higher rates in general, along with slightly higher increases following speeding tickets.
Average car insurance rates by age/sex | Before speeding ticket | After speeding ticket |
---|---|---|
18-year-old male | $8,900 | $10,289 |
18-year-old female | $7,699 | $8,924 |
40-year-old male | $2,911 | $3,512 |
40-year-old female | $2,895 | $3,488 |
In terms of insurance companies, we saw the lowest post-speeding ticket rate increase from the Louisiana Farm Bureau and the highest from AAA. But take these averages with a grain of salt, as they’re for the entire population of Louisiana.
Annual cost of car insurance by company | Before speeding ticket | After speeding ticket |
---|---|---|
AAA | $2,025 | $2,862 |
Allstate | $2,162 | $2,491 |
Auto-Owners | $1,532 | $2,024 |
Farmers | $2,124 | $2,743 |
Geico | $1,302 | $1,630 |
Erie | $1,419 | $1,600 |
Louisiana Farm Bureau | $2,696 | $2,697 |
Nationwide | $1,540 | $1,970 |
Progressive | $1,719 | $2,211 |
Safeway | $2,444 | $2,514 |
Southern Farm Bureau | $1,563 | $1,717 |
State Farm | $1,428 | $1,648 |
Travelers | $1,435 | $1,828 |
USAA | $1,159 | $1,396 |
Is it possible to get cheap car insurance in Louisiana after a speeding ticket? With a little time and effort, the answer is yes:
In 2020, the last time the National Association of Insurance Commissioners released data, the average annual cost of liability coverage in Louisiana was $979, the highest in the nation.2 However, you can expect even higher rates if you have a speeding ticket on your record.
The cost of speeding tickets in Louisiana varies by city. Below, we’ve gathered data from New Orleans, Baton Rouge and Natchitoches.34
Amount over speed limit in miles per hour (mph) | Fine in New Orleans | Fine in Baton Rouge | Fine in Natchitoches (does not include civil filing fees and other costs) |
---|---|---|---|
1 | $45 | $144 | $0 |
2 | $45 | $144 | $0 |
3 | $45 | $144 | $0 |
4 | $45 | $144 | $0 |
5 | $45 | $144 | $15.50 |
6 | $45 | $144 | $15.50 |
7 | $45 | $144 | $15.50 |
8 | $45 | $144 | $15.50 |
9 | $45 | $144 | $15.50 |
10 | $150 | $144 | $20.50 |
11 | $150 | $144 | $20.50 |
12 | $150 | $144 | $20.50 |
13 | $150 | $144 | $20.50 |
14 | $150 | $144 | $20.50 |
15 | $175 | $144 | $20.50 |
16 | $175 | $144 | $30.50 |
17 | $175 | $144 | $30.50 |
18 | $175 | $144 | $30.50 |
19 | $175 | $144 | $30.50 |
20 | $175 | $144 | $30.50 |
21 | $205 | $144 | $30.50 |
22 | $205 | $144 | $30.50 |
23 | $205 | $144 | $30.50 |
24 | $205 | $144 | $30.50 |
25 | $205 | $144 | $30.50 |
26 | $205 | $144 | Exact amount not listed but $300 maximum |
27 | $205 | $144 | Exact amount not listed but $300 maximum |
28 | $205 | $144 | Exact amount not listed but $300 maximum |
29 | $205 | $144 | Exact amount not listed but $300 maximum |
30 | $205 | $144 | Exact amount not listed but $300 maximum |
31 | $205 | $144 | Exact amount not listed but $300 maximum |
32 | $205 | $144 | Exact amount not listed but $300 maximum |
33 | $205 | $144 | Exact amount not listed but $300 maximum |
34 | $205 | $144 | Exact amount not listed but $300 maximum |
35 | $205 | $144 | Exact amount not listed but $300 maximum |
While the exact process of what to do after a speeding ticket will vary by city, generally, you should follow one of these steps:
Speeding tickets aren’t the only type of traffic violation that will affect the cost of your car insurance. See below for more violations in Baton Rouge and throughout the state of Louisiana:
In Louisiana, you’ll need insurance to register your car, along with other documents like your driver’s license, bill of sale and odometer disclosure statement.
Speeding may not seem like a big deal, but in 2021, 27 percent of fatal motor vehicle crashes in Louisiana involved speeding, according to the National Highway Traffic Safety Administration. For drivers ages 15 to 20, that percentage was even higher, 38 percent, demonstrating that teen speeding is a prevalent problem in the state. When you’re driving, follow the speed limits, maintain distance between your car and the car in front of you and scan your surroundings constantly — all essential tenets of defensive driving.
Get an insurance quote from multiple companies after your moving violation to see how much coverage will cost following a speeding ticket. While a speeding ticket increases car insurance rates, a safe ZIP code may help keep your rates low. But whatever you do, don’t raise your car insurance rates even more by speeding again.
To keep a speeding ticket off your insurance in Louisiana, you’ll need to remove it from your driving record. Here’s how.
Once you complete the court’s requirements, your insurance company cannot increase your rates or cancel your policy because of this offense, according to the Louisiana Laws Code of Criminal Procedure Article 892.1.
A speeding ticket will stay on your record for insurance in Louisiana for three years, the same amount of time it will remain on your driving record. However, there are ways to get it dismissed from your record if it is a first offense.
Louisiana does not have a super speeder law, which stipulates more penalties for drivers speeding a certain number of miles per hour over the limit. Rather, all drivers in the state are prohibited from driving over 55 miles per hour on a highway, more than 70 miles per hour on an interstate or controlled-access highway or more than 65 miles per hour on a multilane divided highway, according to Louisiana Revised Statutes 32:61.
You can get up to 10 or more speeding violations within three years to be considered a “habitual offender,” according to Louisiana Revised Statutes Section 32:1472. If you are a habitual offender, the state can revoke your driving privileges, making you surrender your license or permit, though you can get a restricted license for specific purposes like commuting to work. If you have any violation of this restriction or you commit another offense resulting in a conviction, you’ll forfeit your restricted license and face a three-year revocation.
Consumer’s Guide to Auto Insurance. Louisiana Department of Insurance. (2016, May).
https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/auto-insurance-guide.pdf
2019/2020 Auto Insurance Database Report. National Association of Insurance Commissioners. (2023, Jan).
https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf
Sec. 154-177. – Schedule of fines and payments. New Orleans City Council. (2023).
https://library.municode.com/la/new_orleans/codes/code_of_ordinances
CITY COURT 2021 TRAFFIC BOND SCHEDULE. Natchitoches Louisiana. (2023).
https://www.natchitochesla.gov/content/traffic-bond-schedule
Contest a Traffic Ticket. City of New Orleans Mayor LaToya Cantrell. (2023).
https://nola.gov/contest-traffic-ticket/
Ticket Violations. City of Baton Rouge. (2023).
https://www.brla.gov/395/Ticket-Violations