Will motorcycle insurance go up with a speeding ticket?

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker

Licensed Auto Insurance Agent Will motorcycle insurance go up with a speeding ticket?

UPDATED: Aug 25, 2021

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Will motorcycle insurance go up with a speeding ticket?

Getting a speeding ticket can cause more than a temporary dent in your pocket book with the fine of the violation. Your motorcycle insurance company can increase your rate with a speeding ticket as well.

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How much your motorcycle insurance increases depends on the type of speeding violation and how many violations you already have on your record. Some people may see an increase of as much as $50 per month and that increase can last for a few years.

If you receive only a warning, your motorcycle insurance company won’t increase your rate. However, if you are actually issued a speeding ticket then it will be reflected on your driving record, which can be reviewed by your insurance company. Some states have a point system, so a speeding ticket will garner you a certain amount of points on your driving record.

There is a way of keeping speeding tickets off of your record and therefore reducing the risk of raising your insurance premiums. However, taking a defensive driving course only works for the first one or two traffic tickets so it is important not to get so many tickets that your driving record cannot stay clean. Keeping your insurance rates low means trying to maintain a good record.

Speeding Tickets Affect Motorcycle Insurance Premiums

States that have a point system basically charge you a certain amount of points for a certain violation. For example, speeding up to 10 miles over the limit may cost you 2 points on your record. If you accumulate too many points, then you can risk having your driving privileges suspended or revoked. The same holds true for a state that does not issue points. Instead, the traffic violations are recorded on your record.

If you get a speeding ticket then you will have to pay for the ticket as well as the court costs if you try to fight the ticket and lose. You will also receive points against your driver’s license, which can eventually lead to your license being taken away. If you need to have your driver’s license reinstated then there will be an additional cost for that.

Furthermore, if a speeding ticket goes on your record then there is a good chance that your motorcycle insurance will go up as well. If and how much your auto insurance rates will increase will depend on how fast you were speeding and how many moving violations you have on your driving record. A single minor violation may not have any impact, but if you have numerous high speed tickets then you risk not only an increase in your premium as being labeled a high risk driver, but you could lose your motorcycle insurance altogether.

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Defensive Driving Courses can Reduce Motorcycle Insurance Premiums

Depending on your speeding ticket, you may be given the option of attending a defensive driving course in order to keep the ticket off of your record. In this situation you will still have to pay for the speeding violation and possible court costs. You will also have to pay for the defensive driving course, which could cost about $100. However, you will be able to keep your driving record clean which can keep your insurance from going up.

Additionally, taking a defensive driving course can lower your motorcycle insurance premiums. Many insurance companies will give you a discount for attending defensive driving courses and other road safety classes, so not only might this method keep your insurance from getting raised, but it could actually reduce it.

Getting out of Motorcycle Speeding Tickets

There are no fool proof ways of getting out of motorcycle speeding tickets. If you truly need to get out of a speeding ticket then your best defense is probably to hire a lawyer who specializes in moving violations. The lawyer will be expensive, but if you have a reason you need to go this route then the cost is probably worth it. However, even a lawyer cannot guarantee getting you out of a speeding ticket.

As with most scenarios, the best way to get out of something is to simply avoid getting it in the first place. Follow all of the rules of the road and then you will not have to worry about your motorcycle insurance increasing with speeding tickets. You will also be able to keep your driving record clean, avoid fines, fees, and the risk of losing your driver’s license.

Motorcycle insurance is a necessary expense, but it is not necessary to have your premiums increased because of careless driving. Drive safely and avoid speeding tickets to keep your premiums low. If necessary, take a defensive driving course and if your motorcycle insurance is too high, shop around for a new policy.

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