The short answer
Typical surcharges: minor speeding (1–10 over) 15–20% for 3 years, major speeding (20+ over) 25–35%, reckless driving 60–100%+. Many states allow traffic school (1 completion every 12–18 months) to remove points and prevent the surcharge. Shop competitors at renewal — some carriers weight violations more than others.
Frequently asked
- Do out-of-state tickets count?
- Yes — via the interstate Driver License Compact, most transfer to your home state record.
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