Editor
Brandon Lee
Brandon Lee is the editor of Car Insurance After a Speeding Ticket. He spent eight years as a personal auto underwriter in Utah, where reading motor vehicle records and applying violation surcharge schedules was the core of the job.
He started this site in 2023 to explain the schedules from the driver's side. He writes the rate-increase, points and timing guides and reviews every page quarterly.
Brandon lives in Salt Lake City, Utah.
- Based in Salt Lake City, Utah
- Covering auto insurance since 2014
- Focus areas: violation surcharge schedules, motor vehicle records, underwriting eligibility, renewal rating
- Education: University of Utah (B.S., Finance)
Guides
Guide
How Much Car Insurance Goes Up After a Speeding Ticket
Typical premium increases after a speeding ticket by speed over the limit, why some tickets cause no increase, and how insurers differ.
Guide
Driver's Licence Points and Your Insurance
How state point systems work, how insurers use (or ignore) points, the difference between state points and insurer points, and point-reduction options.
Guide
Your First Speeding Ticket and Insurance
What to expect after a first speeding ticket—whether insurers surcharge it, what to do before paying, traffic school, and how to minimise the effect.
Guide
When and How Your Insurer Finds Out About a Ticket
Insurers pull driving records at renewal and quoting, not daily. How that timing works, whether you must disclose, and what happens if a ticket is missed.
Entries
Entry
Out-of-State Speeding Tickets and Your Insurance
How a ticket in another state reaches your home record, whether points transfer, and how insurers treat it.
Entry
How Insurers Calculate Speeding Ticket Surcharges
Learn how auto insurers calculate rate surcharges after a speeding ticket, which rating factors compound costs, and how to lower your overall premium.
Entry
How Often Do Car Insurance Companies Check Driving Records?
Discover how and when auto insurers review your motor vehicle record, what triggers an unscheduled MVR check, and what happens after a speeding ticket.
Entry
Options After Your First Speeding Ticket to Keep It Off Your Record
Explore legal and administrative steps to resolve a first speeding ticket without it raising your car insurance premium or appearing on your driving record.