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How speeding affects your insurance in Tennessee

Driving over the posted speed limit may result in a speeding ticket if you get caught. Tennessee drivers who get pulled over for speeding face a number of consequences, including higher auto insurance rates. Tennessee drivers need to understand how speeding tickets can affect their auto insurance rates and what other penalties they could face.

How much does a speeding ticket cost in Tennessee?

The average cost of a speeding ticket in Tennessee is between $ 40 and $ 150. The faster a driver exceeds the speed limit, the more expensive the ticket will be. Additionally, Tennessee uses a points system, so when drivers are pulled over for speeding, they will be awarded one to eight points on their motor vehicle record.

If a driver accumulates 12 or more points in a year, their driver’s license could be suspended. For young drivers, the laws are stricter. Drivers under the age of 18 who receive six or more points in a 12-month period could have their driving privileges revoked.

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

Getting a speeding ticket in Tennessee has an impact on auto insurance rates. However, the age and gender of the driver have a direct impact on their rate, and the percentage is increasing. In the table below, you can see the average before and after speeding fares in Tennessee for 40-year-old drivers:

Age Average annual premium for full coverage before speeding tickets Average annual premium for full coverage after a speeding ticket % to augment
40 year old man $ 1,340 $ 1,603 20%
40 year old woman $ 1,336 $ 1,575 18%

According to data from Quadrant Information Services, 40-year-old drivers typically face premium increases of around 19% for a single speeding ticket. What’s more, male drivers pay higher fares than women, according to Bankrate’s analysis.

How to Reduce Your Auto Insurance After Speeding in Tennessee

Unfortunately, there isn’t much a driver can do to prevent a speeding ticket from affecting their auto premiums. Even after a single speeding ticket, insurance companies will usually increase a driver’s rate to compensate for the increased risk. Fortunately, there are a number of things drivers can do to reduce their premiums after a speeding ticket.

Get quotes from other auto insurance companies

If you’re unhappy with your auto insurance premium after a speeding ticket, seek new quotes. One of the most effective ways to find a lower auto insurance rate is to get quotes and change carriers. In the table below, you can see the average before and after speeding rates from some of the best auto insurance companies in Tennessee:

Auto insurance company Average annual premium for full coverage before speeding tickets Average annual premium for full coverage after a speeding ticket % to augment
Allstate $ 1,777 $ 2,100 18%
Celina $ 1,422 $ 1,630 15%
Chubb $ 1,808 $ 1,924 6%
Geico $ 992 $ 1,030 4%
barn $ 966 $ 1,441 49%
At national scale $ 1,219 $ 1,706 40%
Progressive $ 1,287 $ 1,789 39%
Automatic safe $ 1,672 $ 2,498 49%
Travelers $ 1,052 $ 1,532 46%
United States $ 1,116 $ 1,202 8%

* Premiums are the average annual premiums for full coverage for people 40 years of age

As you can see, the average fare increase after speeding varies from carrier to carrier. However, keep in mind that a cheaper company may not be the best provider for your coverage needs. When shopping for a new insurance company, be sure to consider things like customer reviews and coverage options.

Benefit from discounts

Most auto insurance companies offer discounts that can help drivers save money on their policy. Many auto insurers offer one-time discounts, but some of the most common include savings for insuring a new vehicle, being a good student, paying your full premium, and signing up for automatic payments.

Group your fonts

Another popular way to get a lower auto insurance premium is to bundle two or more policies together, most often home and auto insurance, tenant insurance, condominium, or life insurance. Buying two insurance policies from the same insurer can help you save money on both policies.

Other considerations for speeding tickets

In Tennessee, the main penalties associated with a speeding ticket are monetary fines and a higher auto insurance premium. However, drivers who already have points on their record could face a potential license suspension if they receive another ticket.

Frequently Asked Questions

What is the best auto insurance company for drivers with speeding tickets?

There is no better auto insurance company for drivers with a speeding ticket on their record. The best provider is unique to each individual, based on factors such as location, age, credit rating, and budget. However, some of the top rated vendors to consider are Amica, State Farm, Nationwide, USAA, and Geico.

How much does car insurance cost in Tennessee?

The average cost of auto insurance in Tennessee is $ 1,338 per year for a full coverage policy and $ 371 per year for a minimum coverage policy. For comparison, the national average rate is $ 1,674 for full coverage. Drivers in Tennessee could pay more or less than average depending on factors such as their driving record, credit rating, and the make and models of their vehicles.

What is Tennessee Minimum Coverage Insurance?

Tennessee auto insurance laws state that drivers must carry liability insurance of at least 25/50/15. A minimum coverage policy includes $ 25,000 of bodily injury coverage per person, $ 50,000 of accidental bodily injury coverage and $ 15,000 of property damage coverage.


Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on 40 year old male and female drivers with a clean driving record , good credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 in civil liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

Incident: The rates were calculated by evaluating our basic profile with the following incidents applied: clean criminal record (basic) and single speeding ticket.

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

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