How much will a speeding ticket in Ohio raise your insurance costs?

A single speeding ticket can increase an Ohio driver’s annual car insurance costs by an average of 23.9%, or about $401.
Most speeding violations in Ohio add two points to a driver’s license, with 12 points resulting in a suspension.
Speeding was a contributing factor in 29% of all U.S. traffic fatalities in 2023, according to the National Highway Traffic Safety Administration.
Not so fast! Putting the pedal to the metal can feel good in the moment, but it could quickly turn into an expensive speeding ticket. Additionally, some speeding tickets in Ohio add points to your license, which could ramp up your annual auto insurance costs.
Getting caught speeding has different consequences and costs in different states. In the Buckeye State, speeding could cause a significant price hike in car insurance for Ohio drivers. Here’s how much a speeding ticket can increase your insurance payments in Ohio.
A single speeding ticket could raise your annual insurance costs in Ohio
Getting a speeding ticket hurts, and it’s not just because you have to pay a fine. Just one speeding ticket could cost American drivers an additional $500 or more in annual insurance costs. A recent study from LendingTree, an online lending marketplace, found a speeding ticket for going 11 to 15 mph over the speed limit raises rates by an average of 22.7% in the U.S.
Some states, such as Ohio, have speed limit rate increases above the average. According to LendingTree’s analysis, drivers in the Buckeye State averaged a 23.9% rate hike after receiving a speeding ticket, the 22nd highest percentage in the nation.
So, what does this mean for drivers?
When it comes to Ohio drivers, auto insurance companies are tough on speeding. It takes just a single speeding ticket to raise premiums 23% — a significant increase, even for affordable plans. Ohio drivers pay an extra $401.36 a year, or about $33.45 a month after a speeding ticket (going 11-15 mph over the speed limit).
How to reduce your auto insurance costs after speeding
If you’re caught speeding and your insurance costs increase, there are several ways to help reduce costs in the long run, according to Consumer Reports.
Steps to reduce car insurance costs after a speeding ticket
Raise your deductible.
Take a defensive driving course (consult your provider for approved courses).
Shop for quotes from other providers.
Increasing your deductible (your out-of-pocket cost for a covered insurance claim) is one way to quickly reduce your insurance premiums. Additionally, drivers can contact their insurance providers and ask for approved defensive driving courses that can reduce their premiums. Many of these classes are completely online and relatively inexpensive.
Finally, if your insurance costs have increased significantly following a speeding ticket and your insurer isn’t working with you to lower costs, you can also get a quote from a different auto insurance provider. This can help you reduce your short-term auto insurance expenses as you work to repair your driving record.
Why Ohioans should avoid speeding
Speeding killed 11,775 people in 2023, per the National Highway Traffic Safety Administration (NHTSA). The repercussions of driving faster than the speed limit aren’t always just financial; they can also be fatal. Speeding was a factor in 29% of all traffic fatalities in 2023, according to NHTSA.
There has been a rise in Ohio traffic deaths from 2018 to a peak of 1,356 in 2021, but Ohio has seen a reduction in traffic deaths over the last three years, according to the Ohio Department of Transportation. In 2024, 1,157 people were killed on Ohio roads, down from 1,242 in 2023 and 1,275 in 2022.
However, current crash data shows traffic deaths in 2025 are