Glossary term
Surcharge
Surcharge: A rate increase applied for a violation or accident, usually for three years.
Where this term matters
Guides and entries on this site that use the term.
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
Multiple Speeding Tickets and Insurance
What happens to premiums with two, three or more tickets in three years—surcharge stacking, licence risk, non-renewal, and the path back.
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
Can Traffic School Stop an Insurance Increase After a Speeding Ticket?
Learn how completing traffic school or defensive driving can mask a speeding citation, prevent insurer surcharges, and protect your auto insurance rates.
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.