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APA: Ward, L. (2024, February 19). How a speeding ticket impacts your insurance in Massachusetts. Bankrate. Retrieved September 12, 2024, from https://www.bankrate.com/insurance/car/speeding-ticket-massachusetts/
Copied to clipboard!MLA: Ward, Lauren. "How a speeding ticket impacts your insurance in Massachusetts." Bankrate. 19 February 2024, https://www.bankrate.com/insurance/car/speeding-ticket-massachusetts/.
Copied to clipboard!Chicago: Ward, Lauren. "How a speeding ticket impacts your insurance in Massachusetts." Bankrate. February 19, 2024. https://www.bankrate.com/insurance/car/speeding-ticket-massachusetts/.
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Written by
Lauren Ward
Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, life insurance, and other topics in the personal finance industry.
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Jessa Claeys
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including Jerry, BiggerPockets, 401(k) Specialist, BP Wealth and more.
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A speeding ticket in Massachusetts can significantly increase your auto insurance premiums. According to Bankrate’s 2024 analysis, prior to receiving a speeding ticket, full coverage car insurance costs an average of $1,665 per year in Massachusetts. But after a speeding conviction, the average annual premium rises to $2,247. This increase is attributed to the heightened accident risk associated with speeding, prompting insurers to adjust premiums accordingly.
How much a speeding ticket costs in Massachusetts depends on the circumstances. The law states drivers face a $50 flat fee, a $50 fine and an additional $10 for every mile over the speed limit. If you are cited for going 50 miles per hour (mph) in a 35 mph zone, you will likely pay a $200 fine plus the $50 flat fee for a total of $250. Drivers may need to appear in court. And if you receive three or more speeding tickets within a 12-month period, your license could be suspended.
Additionally, Massachusetts employs a “Safe Driver Insurance Plan (SDIP),” which is essentially a point-based system that keeps track of both good and poor driving behavior. A speeding ticket in Massachusetts may be considered a minor traffic law violation and will typically mean two points are added to your SDIP record. The exact number of points could depend on your speed though; higher rates of speed could be considered more dangerous and thus be classified differently.
