How Long Does a Speeding Ticket Stay on Your Record?

State-By-State Guide: How Long A Ticket Stays on Your Record | Metromile

It happens: You’re riding along and start to see the police lights behind you. You get pulled over and hit with a speeding ticket for going too fast. But the consequences extend beyond the one-time inconvenience of pulling over. Not only do you have to pay for the speeding ticket, but your car insurance premium may go up, too. 

Here’s what you should know about how long that speeding ticket will stay on your driving record.

How long does a speeding ticket stay on your record?

States don’t treat speeding tickets the same, and how long they might stay on your driving record varies. 

Here’s how long a speeding ticket might stay on your driving record by state and territory:

StateHow long a speeding ticket stays on your record 
Alabama2 years for points to be removed for suspension, but incident is permanent on your record
Alaska1 year
Arizona1 year
Arkansas3 years
California3 years and 3 months (39 months)
ColoradoCan reduce points, but incident is permanent on record
Connecticut3 years
Delaware2 years
Florida5 years
Georgia2 years
Hawaii10 years
Idaho3 years
IllinoisUp to 5 years
Indiana2 years
Iowa5 years
Kansas3 years
Kentucky5 years, but points removed after 2 years
Louisiana3 years
Maine1 year
Maryland3 years
Massachussets6 years
Michigan7 years
Minnesota5 to 10 years
Mississippi1 year
Missouri3 years
MontanaPoints removed after 3 years, but conviction is permanent on record
Nebraska5 years
NevadaPoints removed after 1 year, but conviction is permanent on record
New Hampshire3 years
New Jersey5 years
New Mexico1 year
New York1.5 years
North Carolina3 years
North Dakota3 years
Ohio2 years toward suspension, but incident is permanent on record
OklahomaUp to 3 years
Oregon2 years
Pennsylvania1 year
Rhode Island3 years
South Carolina2 years
Tennessee2 years
Texas3 years
Utah3 years
Vermont2 years
Virginia5 years
Washington5 years
West Virginia5 years, but points removed after 2 years
Wisconsin5 years
Wyoming1 year
Washington, D.C.2 years

How a speeding ticket affects your driving record?

When you get a speeding ticket or have a moving violation, you’ll accumulate driver’s license points on your driving record. You don’t want these points. Having too many driver’s license points can lead to suspension for a brief period of time.

When you get a speeding ticket, the state department of motor vehicles may add points to your driving record. The number of points added will vary by state and how fast you were going. You’ll also want to check to see how long points stay on your driving record in your state. Fortunately, they don’t stay there forever.

How a speeding ticket will affect your car insurance premium?

When you get a speeding ticket, you have to pay the fine. You may also get points added to your license. While car insurance companies don’t typically use driver’s license points to calculate rates, your auto insurance premium may increase because of your infraction. Insurance companies usually have their own methodology to calculate the impacts of moving violations and other types of driving offenses. 

In some cases, you may be able to take a defensive driving course, which can help reduce the impact on your car insurance premium. Some car insurance companies may also have “ticket forgiveness” programs, which could help.

However, if you were speeding far above the speed limit, or if you’ve racked up a second or third speeding ticket in a short amount of time, you will likely see your car insurance rates go up. 

Your car insurance rates could stay high for three years but may go down if you maintain a clean driving record during that time.

You can attempt to contest the speeding ticket if you feel you are justified but know that it may be difficult. You may also have to pay administrative or court fees to contest your ticket.

Consider pay-per-mile insurance when comparing rates with a speeding ticket

If your car insurance rates do go up, you may want to shop around for a better rate. Insurance companies might consider the same speeding ticket differently when determining your premium.

If you don’t often drive, one way to keep your car insurance costs low is to consider pay-per-mile auto insurance

While you may have higher rates because of your infractions, pay-per-mile auto insurance can help you control costs, as you typically pay a monthly base rate to keep your insurance coverage and a per-mile rate of a few cents for each mile you drive.

The bottom line

Speeding is dangerous, and as a result, speeding tickets can be very consequential. In addition to the fine you’ll need to pay, the infraction can impact your driving record for several years. You could also pay more for auto insurance as a result.

Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.