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How a speeding ticket impacts your insurance in Rhode Island

Speed limit radar shows speed

Understanding the ramifications of a speeding ticket in Rhode Island on car insurance rates is something every motorist may want to consider. On average, the annual full coverage rate in the state stands at $1,886. However, this figure can surge to approximately $2,178 after receiving a speeding ticket, according to Quadrant Information Services. While speeding might seem like a momentary lapse in judgment, the financial consequences, especially concerning insurance premiums, can linger for a significant period.


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How much is a speeding ticket in Rhode Island?

Driving over the posted speed limit in Rhode Island not only impacts your insurance but can also result in substantial state fines. To help you determine how much a speeding ticket cost in Rhode Island, here’s a breakdown of what you might encounter if issued a citation:

  • Rhode Island law: It’s deemed unlawful to drive at speeds “greater than is reasonable and prudent” based on the speed limit signs in the state.
  • Speeding penalties:
    • If you’re caught driving 1-10 mph over the limit, you’re looking at a fine of around $95.
    • Speeding 11 mph or more over the designated limit can result in a starting fine of $205, plus an added $10 for each mile exceeding that limit.
  • Recurring offenses: Drivers with multiple speeding offenses within a year might be subject to compounding fees, amplifying the financial strain.

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

While the immediate cost of a speeding ticket in Rhode Island can sting, the longer-term effects on your auto insurance can be even more significant. Age and gender can play roles in how insurers calculate your premiums. For instance, younger drivers are often perceived as riskier due to their relative inexperience on the road, which can contribute to higher premiums.

Similarly, statistical data suggests differences in driving behavior between genders, which insurance companies might factor into their rates as well. However, according to Progressive, drivers receiving their first speeding ticket could see an average increase of 15 percent to their next six-month policy.

Rhode Islanders may witness a similar rise in their insurance costs, further emphasizing the importance of safe driving. The table below gives an overview of the average insurance premium increase by gender in the state.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket Percentage increase
40-year-old male $1,915 $2,312 21%
40-year-old female $1,856 $2,243 21%
Total average $1,886 $2,276 16%

In Rhode Island, insurance premiums between males and females are comparable, as is the increase after a speeding ticket.

How to lower your car insurance after a speeding ticket in Rhode Island

If your Rhode Island auto insurance premium has recently increased after getting a speeding ticket, it is not uncommon to be worried about your expenses. But how long does a speeding ticket stay on your record in Rhode Island? Speeding tickets typically stay on your record for a period of three years, meaning you pay a higher premium for that entire period. Luckily, there are a few ways you can save on your insurance.

Get quotes from other car insurance companies

Different insurance companies evaluate risks differently and some might offer more competitive rates than others, even post-ticket. Actively seeking out and comparing quotes from a range of providers can potentially lead you to savings, ensuring you don’t pay more than necessary. The table below outlines the average increase of annual full coverage premiums after a ticket by carrier:

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket Percentage increase
USAA $1,299 $1,479 14%
Travelers $1,544 $1,850 20%
Amica $1,709 $2,148 26%
Geico $1,729 $2,447 42%
Nationwide $1,843 $2,108 14%

*Premiums are average annual full coverage premiums for 40-year-olds

When getting a quote from a different car insurance company, keep in mind that price is not always the best determining factor. You may also want to consider customer satisfaction ratings, claims handling policies and available discounts and coverages.

Look for discounts

Even after a speeding ticket in Rhode Island, you might still have the opportunity to reduce your car insurance premium by tapping into various discounts. Most insurance companies offer a range of discounts and you could be eligible for some you’re not even aware of. Here are some potential discounts to consider:

  • Safe driver discount: If your record is relatively clean aside from a recent ticket, you might still qualify.
  • Bundling discount: Combining multiple policies, like home and auto, often leads to savings.
  • Defensive driving course discount: Some insurers might offer a discount if you complete a recognized driving course.
  • Multi-car discount: If you’re insuring multiple vehicles under the same policy.
  • Good student discount: For young drivers who maintain good grades in school.

It’s worth noting that while a speeding ticket in Rhode Island might initially raise your premium, exploring these discounts could be a valuable step in mitigating the impact.

Frequently asked questions

    • The best car insurance company if you get a speeding ticket will vary based on your own individual needs because insurance rates depend on age, gender, driving record, insurance history and vehicle type. Some companies may offer a better rate for individuals with a poor driving record than others.
    • After a speeding ticket, some drivers may be shocked at the premium increase. Although there are steps you can take to lower your premium, a speeding ticket will still stay on your record for a few years. However, once your ticket falls off your record, your insurance premium may drop—although the amount saved will depend on your carrier.
    • The national average for a full coverage car insurance policy sits around $2,014 annually, while Rhode Island car insurance rates tend to hover closer to $1,886 a year for the same coverage. However, it’s worth noting that these figures can vary based on specific locations within the state, as different zip codes might influence your rate. In terms of minimum coverage, the average policy cost in the United States is approximately $622, in Rhode Island, it’s around $551.
    • Technically, no — you’re not obligated to inform your insurance company immediately after receiving a speeding ticket. Insurers typically don’t require you to report such changes during an active policy term. However, it’s almost certain they’ll discover it independently. While your current policy’s premium remains fixed for its duration, be it six or 12 months, the speeding ticket could influence your rate upon renewal.
    • It’s worth noting that the cheapest car insurance companies can vary based on numerous factors, including location, driving record and the type of coverage sought. However, nationally recognized for their competitive rates, Auto-Owners, USAA and Geico often emerge as some of the more budget-friendly options. Still, it’s essential to shop around and compare policies to ensure the best fit for your individual needs.
  • Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

    • $100,000 bodily injury liability per person
    • $300,000 bodily injury liability per accident
    • $50,000 property damage liability per accident
    • $100,000 uninsured motorist bodily injury per person
    • $300,000 uninsured motorist bodily injury per accident
    • $500 collision deductible
    • $500 comprehensive deductible

    To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

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

    Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket.

    Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.

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