License Points and Insurance Rates: The Hidden Costs of a Speeding Ticket

A conviction for a speeding ticket in Maryland means that there will be an entry on your state driving record and a need to pay a fine. Maryland also assesses “points” depending on how fast you were traveling over the speed limit. Your insurance carrier may review your driving record, which reflects any points assessed, when determining your premium. If you apply for new insurance, that insurance company will first check to see how many points you have on your driving record.

The more points you have, the higher your monthly insurance premium will be. Insurance companies can increase your insurance for up to three years for a speeding ticket. This means that if your insurance goes up just $100 a month, you will have to pay an extra $3,600.

If you accumulate too many points, your license could be suspended or revoked.

In addition to helping to fight speeding tickets, our experienced Annapolis speeding ticket lawyer helps drivers understand what discounts may be available when drivers have a speeding violation on their driving record.

What are the fines and penalties for speeding in Maryland?

Generally, the faster you are caught speeding, the higher the fines and points will be. Maryland’s penalties for speeding are as follows:

• Driving too fast for conditions. One point and a $90 fine.
• Driving 1-9 mph over the speed limit. One point and an $80 fine.
• Driving 10-19 mph over the speed limit. Two points and a $90 fine.
• Driving 20-29 mph over the speed limit. Two points and a $160 fine.
• Driving 30-39 mph over the speed limit. Five points and a $290 fine.
• Driving 40 mph or more over the speed limit. Five points and a $530 fine.
• Driving 65-75 and 10-19 mph over the speed limit. Two points and a $160 fine.
• Driving 65-75 and 20-29 mph over the speed limit. Five points and a $290 fine.

There are additional fines and penalties for drivers who speed in a work zone (the fines can be doubled) and speed in a school zone. Drivers can also face fines and points for driving too fast (or too slow) if driving causes an accident, driving too fast in a curve, driving too fast when approaching a railroad section, driving too fast at certain intersections, and driving too fast for other conditions.

If you accumulate the following point totals, the Motor Vehicle Administration (MVA) can take the following actions:

• Send you a warning letter when you acquire three points within two years.
• Require that you enroll in a driver education program if you acquire five to seven points within a two-year period.
• Suspend your license if you acquire eight to 11 points within a two-year period.
• Revoke your license if you acquire 12 or more points within a two-year period.

If you drive too fast, you could also face reckless driving charges which carry even steeper fines and point totals.

Insurance company rates if you have a speeding ticket in Maryland

Generally, insurance companies look back three years to determine the amount of your premiums. Each insurance company has its own method for determining what insurance premiums to charge you. That number can depend on your point total, whether there was an accident, and other factors.

In Maryland, all drivers must have the following minimum insurance coverage:

• Personal injury liability coverage for one accident victim. $30,000.
• Personal injury liability coverage for more than one accident victim in one accident. $60,000.
• Property damage coverage. $15,000.

The rates for other insurance coverages (collision, comprehensive, and personal injury protection) will also likely increase if you have a speeding violation.

According to Bankrate.com, the insurance rates (by month) for 2025 – if you have a clean record – for the minimum requirements (and comprehensive and collision) are:

• Nationwide Insurance. $152 per month. $1,819 per year.
• Erie Insurance. $179 per month. $2145 per year.
• Geico Insurance. $180 per month. $2155 per year.
• USAA Insurance. $183 per month. $2,194 per year.
• Progressive Insurance. $204 per month. $2,449 per year.

If you have a speeding ticket, the rates generally increase by 18 percent. The specific amount depends on the number of points you have and other factors.

For 2025, the insurance coverage for full coverage (minimum coverage, comprehensive and collision) and just minimum coverage are as follows:

• Geico Insurance. $2,467 per year. $857 for just the minimum coverage.
• USAA Insurance. $2,695 per year. $878 for just the minimum coverage.
• Erie Insurance. $2,292 per year. $887 for just the minimum coverage.
• Progressive Insurance. $3,146 per year. $1,151 for just the minimum coverage.
• Encompass Insurance. $2,892 per year. $1,173 for just the minimum coverage.

Some of the factors that car owners and drivers should consider to reduce their premiums after a speeding accident, or at any time, include:

• Whether you want just the minimum coverage, additional coverage for more serious accidents, or other types of coverage (such as collision and comprehensive coverage).
• Whether you need less coverage if you work from home.
• Whether you are eligible for a discount. Discounts for car insurance may be available if:
  • You complete an approved driving safety program.
  • You drive your car below a preset number of miles each year.
  • Your car has airbags, driving assistance, or other safety features.
  • You bundle your car insurance with homeowners’ insurance, renters’ insurance, or other insurance.
  • You have certain technology that monitors driving behavior.

The best way to avoid shopping for new insurance due to a speeding ticket is to obtain a dismissal, an acquittal, or a reduction of the charges. Drew Cochran vigorously defends speeding tickets. He’s helped many drivers obtain successful outcomes for traffic tickets and criminal charges. Call us or fill out our contact form to schedule a consultation.

“And remember — Keep Calm, and Call Drew.”