Do speeding tickets affect insurance in Arizona?

 A Speeding Ticket

Your first thought, when you see the Photo Ticket in the mail “Uh-oh.”
Your second thought: “How much is my insurance going to go up for this?”
To affect your car insurance, a ticket of any kind – speeding, DUI, reckless driving — must be considered a moving violation and must appear on your driving record.
A simple Speeding ticket in Arizona 28-701 may increase your insurance 7% which is less than the average of 11%. It will put 3 points on your driving record and will be visible to your insurance company for 39 months.


Violations and tickets that don’t affect your insurance rates

Many violations are not typically considered rating factors and thus are unlikely to affect your premiums, such as:

  • Seat-belt tickets
  • Texting and cellphone violations (in states where they are not a moving violation)
  • Equipment violations such as broken lights
  • Failure to display license plates
  • Noise violations
  • Parking violations
  • Registration violations
  • Failure-to-appear violations