Correct Price of a Speeding Ticket in Minnesota After Insurance Increases

Getting a speeding ticket will leave your wallet a bit lighter, but fines aren’t the only cost.

In Minnesota, drivers will pay $ 145 for a speeding ticket 15 mph over the limit. However, car insurance increases after a speeding ticket are often more painful than the fine: The higher rates last 3 years in Minnesota, so the average driver will pay $ 375 more for insurance after a ticket.

The true cost of a speeding ticket in Minnesota is 3.59 times the cost of the actual ticket — drivers pay an average of $ 520.11 for a $ 145 ticket.

Key findings

• On average, Minnesota drivers pay $ 1,255.98 each year for car insurance. After a speeding ticket, however, they will see their annual car insurance premium increase $ 125.04 to $ 1,381.02 a year.


• In Minnesota, the average annual car insurance increases after a ticket for 15 mph over the limit ticket is 9.97%.


• Not all drivers will face the same insurance increases. Drivers in Minneapolis will pay $ 73.62 more for insurance than drivers in Minnetonka after a ticket for 15 mph over the limit. The true cost of a speeding ticket depends on the average car insurance premium in each location.

What should you do after a speeding ticket in Minnesota?

Minnesota drivers with clean records usually have 3 options after a minor speeding ticket:

• Plead guilty, pay the fine and receive a conviction.


• Request a continuance for dismissal and pay the required fees.


• Plead not guilty and request a court date.

If you request a continuance for dismissal: Drivers without previous violations are often eligible for this agreement with the court that allows the ticket to be dismissed if the driver doesn’t violate traffic laws for a specific period of time. However, if the driver is convicted of another traffic violation, then they’ll have to pay both tickets. To receive a continuance for dismissal, drivers pay a fee on top of the fine, though the fee varies from place to place.

If you receive a conviction: You should re-evaluate your relationship with your insurer. Some carriers will overlook traffic violations, but drivers won’t know if their carrier is one of them unless they do their research. You also should comparison shop for insurance using an online tool to see what a speeding ticket does to your rates.

According to Ben Bauman, an agent with North Central Insurance Agency in Elk River, Minnesota, drivers who work with an independent agent should ask for the best possible car insurance option.

“My first advice is talk to your agent. Some companies pull your record every policy period, some don’t,” he said. “Your agent will also know what is going on in the insurance market. They will know if companies have had rate increases, and if your company has not pulled the driving record, the agent may find the rates are most competitive staying put. If rates go up and the ticket causes points to be charged, maybe your agent can find a better company or a company that will forgive the ticket so there are not points charged.”

Minnesota cities where it is most expensive to get a ticket

1. Prior Lake

True cost of a speeding ticket: $ 670.75

Prior Lake drivers face the steepest car insurance increases if they receive a speeding ticket. On average, their annual car insurance premiums will rise from $ 1,180.42 to $ 1,355.67 — 14.85% higher. A Prior Lake driver facing 3 years of car insurance increases will, on average, pay $ 525.75 in extra car insurance costs.

 2. Lakeville

True cost of a speeding ticket: $ 666.25

After a speeding ticket, the average driver in Lakeville will see insurance premium increases of $ 173.75 a year, from an average of $ 1,202.25 to $ 1,376 each year. Since car insurance increases last for 3 years, drivers can expect to pay $ 521.25 more for insurance after a speeding ticket.

 3. Cottage Grove

True cost of a speeding ticket: $ 592.87

The average Cottage Grove driver pays $ 1,401.17 each year for car insurance. However, after a 15 mph speeding ticket, drivers face paying $ 149.29 more each year. After 3 years of car insurance increases — the norm in Minnesota — Cottage Grove drivers will have paid $ 447.87 in extra car insurance costs.

4. Coon Rapids

True cost of a speeding ticket: $ 585.70

On average, Coon Rapids drivers will see their car insurance rates increase from $ 1,285 to $ 1,431.90 each year after a 15 mph speeding ticket. A speeding ticket will cost Coon Rapids drivers $ 440.70 in extra car insurance costs over 3 years.

5. Austin

True cost of a speeding ticket: $ 567.13

After a speeding ticket, Austin drivers will, on average, see a 12.31% increase in their annual car insurance rates. Their car insurance premiums will increase from an average of $ 1,143.21 a year to $ 1,283.92. Since the increases last for 3 years, Austin drivers can expect to pay $ 422.13 more each year for insurance.

6. St. Paul

True cost of a speeding ticket: $ 566.86

St. Paul drivers are penalized more for speeding tickets than their Twin Cities neighbors in Minneapolis. The average St. Paul driver pays $ 1,330.93 a year for car insurance. After a speeding ticket, they will see their car insurance premiums increase $ 140.62 a year to $ 1,471.55. St. Paul drivers will pay $ 566.86 over 3 years after a speeding ticket.

7. West St. Paul

True cost of a speeding ticket: $ 566.02

After receiving a speeding ticket, drivers in West St. Paul can expect their annual car insurance rates to increase 10.47%. On average, drivers will see their insurance increase from $ 1,339.79 to $ 1,480.13. Over 3 years, West St. Paul drivers will, on average, pay $ 421.02 more for insurance after a ticket.

8. Minneapolis

True cost of a speeding ticket: $ 563.86

Minneapolis drivers with clean records pay $ 1,407.49 for car insurance, but after a speeding ticket, they can expect to pay $ 1,547.11 a year for car insurance. After 3 years of car insurance increases and the fine, Minneapolis drivers can expect to pay $ 563.86.

9. Albert Lea

True cost of a speeding ticket: $ 563.50

A driver with a clean record in Albert Lea pays $ 1,134.38 a year for car insurance. However, after a speeding ticket, the average driver’s annual premium will jump $ 139.50 to $ 1,273.88. Albert Lea drivers can expect to pay $ 418.50 in extra car insurance costs after a speeding conviction.

10. Burnsville

True cost of a speeding ticket: $ 558.94

After getting a speeding ticket, the average Burnsville driver faces an insurance premium increase from $ 1,277.92 to $ 1,415.90. After 3 years of insurance increases — at $ 137.98 a year — and the $ 145 speeding ticket, Burnsville drivers can expect to pay $ 558.94.

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The Full List

Methodology

 To determine the average insurance premium increases, we retrieved quotes for 8 different driver profiles in Minnesota: 27-year-old single men and women and 40-year-old married men and women each driving a Toyota Camry and a Ford Escape. For each driver profile, we chose the 2 cheapest car insurance quotes in every city to mimic consumer behavior and to determine our overall average.

We only surveyed cities that had populations over 15,000 residents. All demographic data comes from the U.S. Census. We calculated the total cost of the speeding ticket by adding the cost of a $ 145 speeding ticket to 3 years of car insurance increases. The estimated costs are for illustrative purposes only. The actual insurance increases you face will vary depending on your insurance carrier, your location and other factors.

 Police officer writing a ticket image via Shutterstock.

Correct Price of a Speeding Ticket in Minnesota After Insurance Increases

Rank	Place	Annual insurance premium	Annual insurance premium after a speeding ticket	Annual insurance increase	Percentage increase	3-year increase	True cost
1	Prior Lake	$ 1,180.42	$ 1,355.67	$ 175.25	14.85%	$ 525.75	$ 670.75
2	Lakeville	$ 1,202.25	$ 1,376.00	$ 173.75	14.45%	$ 521.25	$ 666.25
3	Cottage Grove	$ 1,251.88	$ 1,401.17	$ 149.29	11.93%	$ 447.87	$ 592.87
4	Coon Rapids	$ 1,285.00	$ 1,431.90	$ 146.90	11.43%	$ 440.70	$ 585.70
5	Austin	$ 1,143.21	$ 1,283.92	$ 140.71	12.31%	$ 422.13	$ 567.13
6	St. Paul	$ 1,330.93	$ 1,471.55	$ 140.62	10.57%	$ 421.86	$ 566.86
7	West St. Paul	$ 1,339.79	$ 1,480.13	$ 140.34	10.47%	$ 421.02	$ 566.02
8	Minneapolis	$ 1,407.49	$ 1,547.11	$ 139.62	9.92%	$ 418.86	$ 563.86
9	Albert Lea	$ 1,134.38	$ 1,273.88	$ 139.50	12.30%	$ 418.50	$ 563.50
10	Burnsville	$ 1,277.92	$ 1,415.90	$ 137.98	10.80%	$ 413.94	$ 558.94
11	Brooklyn Center	$ 1,442.63	$ 1,575.96	$ 133.33	9.24%	$ 399.99	$ 544.99
12	Eagan	$ 1,259.54	$ 1,392.57	$ 133.03	10.56%	$ 399.09	$ 544.09
13	Hibbing	$ 1,233.79	$ 1,366.67	$ 132.88	10.77%	$ 398.64	$ 543.64
14	Hastings	$ 1,240.54	$ 1,373.21	$ 132.67	10.69%	$ 398.01	$ 543.01
15	Stillwater	$ 1,268.92	$ 1,400.92	$ 132.00	10.40%	$ 396.00	$ 541.00
16	Fridley	$ 1,348.48	$ 1,479.77	$ 131.29	9.74%	$ 393.87	$ 538.87
17	Rosemount	$ 1,238.42	$ 1,367.92	$ 129.50	10.46%	$ 388.50	$ 533.50
18	Brooklyn Park	$ 1,350.41	$ 1,479.45	$ 129.04	9.56%	$ 387.12	$ 532.12
19	Richfield	$ 1,333.71	$ 1,462.13	$ 128.42	9.63%	$ 385.26	$ 530.26
20	Chaska	$ 1,216.83	$ 1,345.21	$ 128.38	10.55%	$ 385.14	$ 530.14
21	Winona	$ 1,141.50	$ 1,269.42	$ 127.92	11.21%	$ 383.76	$ 528.76
22	Savage	$ 1,268.00	$ 1,395.17	$ 127.17	10.03%	$ 381.51	$ 526.51
23	Blaine	$ 1,306.82	$ 1,433.53	$ 126.71	9.70%	$ 380.13	$ 525.13
24	Bloomington	$ 1,306.26	$ 1,431.80	$ 125.54	9.61%	$ 376.62	$ 521.62
25	Elk River	$ 1,311.38	$ 1,436.88	$ 125.50	9.57%	$ 376.50	$ 521.50
26	Crystal	$ 1,327.44	$ 1,452.29	$ 124.85	9.41%	$ 374.55	$ 519.55
27	Lino Lakes	$ 1,315.54	$ 1,439.88	$ 124.34	9.45%	$ 373.02	$ 518.02
28	Duluth	$ 1,223.02	$ 1,347.28	$ 124.26	10.16%	$ 372.78	$ 517.78
29	Shakopee	$ 1,257.25	$ 1,381.46	$ 124.21	9.88%	$ 372.63	$ 517.63
30	Owatonna	$ 1,141.71	$ 1,265.42	$ 123.71	10.84%	$ 371.13	$ 516.13
32	Forest Lake	$ 1,356.54	$ 1,480.25	$ 123.71	9.12%	$ 371.13	$ 516.13
31	Andover	$ 1,355.13	$ 1,478.83	$ 123.70	9.13%	$ 371.10	$ 516.10
33	Ham Lake	$ 1,355.13	$ 1,478.83	$ 123.70	9.13%	$ 371.10	$ 516.10
34	Rosemount	$ 1,274.51	$ 1,397.31	$ 122.80	9.64%	$ 368.40	$ 513.40
35	Champlin	$ 1,268.29	$ 1,390.58	$ 122.29	9.64%	$ 366.87	$ 511.87
36	St. Louis Park	$ 1,313.71	$ 1,435.96	$ 122.25	9.31%	$ 366.75	$ 511.75
37	Farmington	$ 1,245.75	$ 1,367.92	$ 122.17	9.81%	$ 366.51	$ 511.51
38	Edina	$ 1,291.84	$ 1,413.99	$ 122.15	9.46%	$ 366.45	$ 511.45
39	Inver Grove Heights	$ 1,264.50	$ 1,385.79	$ 121.29	9.59%	$ 363.87	$ 508.87
40	Anoka	$ 1,325.08	$ 1,446.33	$ 121.25	9.15%	$ 363.75	$ 508.75
41	Ramsey	$ 1,325.08	$ 1,446.33	$ 121.25	9.15%	$ 363.75	$ 508.75
42	Eden Prairie	$ 1,270.40	$ 1,391.01	$ 120.61	9.49%	$ 361.83	$ 506.83
43	South Saint Paul	$ 1,329.83	$ 1,450.42	$ 120.59	9.07%	$ 361.77	$ 506.77
44	Northfield	$ 1,167.17	$ 1,287.04	$ 119.87	10.27%	$ 359.61	$ 504.61
45	Hopkins	$ 1,274.83	$ 1,394.56	$ 119.73	9.39%	$ 359.19	$ 504.19
46	Apple Valley	$ 1,257.21	$ 1,376.42	$ 119.21	9.48%	$ 357.63	$ 502.63
47	Woodbury	$ 1,268.58	$ 1,387.23	$ 118.65	9.35%	$ 355.95	$ 500.95
48	Oakdale	$ 1,259.06	$ 1,377.31	$ 118.25	9.39%	$ 354.75	$ 499.75
49	Saint Michael	$ 1,258.96	$ 1,376.67	$ 117.71	9.35%	$ 353.13	$ 498.13
50	Maple Grove	$ 1,250.04	$ 1,366.77	$ 116.73	9.34%	$ 350.19	$ 495.19
51	Saint Cloud	$ 1,205.86	$ 1,321.92	$ 116.06	9.62%	$ 348.18	$ 493.18
52	Plymouth	$ 1,255.05	$ 1,370.80	$ 115.75	9.22%	$ 347.25	$ 492.25
53	White Bear Lake	$ 1,245.67	$ 1,361.29	$ 115.62	9.28%	$ 346.86	$ 491.86
54	Sartell	$ 1,228.54	$ 1,343.75	$ 115.21	9.38%	$ 345.63	$ 490.63
55	Minnetonka	$ 1,233.63	$ 1,348.71	$ 115.08	9.33%	$ 345.24	$ 490.24
56	Faribault	$ 1,177.92	$ 1,292.50	$ 114.58	9.73%	$ 343.74	$ 488.74
57	Red Wing	$ 1,177.71	$ 1,291.88	$ 114.17	9.69%	$ 342.51	$ 487.51
58	Chanhassen	$ 1,229.13	$ 1,343.13	$ 114.00	9.27%	$ 342.00	$ 487.00
59	Buffalo	$ 1,236.17	$ 1,349.92	$ 113.75	9.20%	$ 341.25	$ 486.25
60	Rochester	$ 1,070.10	$ 1,179.36	$ 109.26	10.21%	$ 327.78	$ 472.78
61	Moorhead	$ 1,053.21	$ 1,158.71	$ 105.50	10.02%	$ 316.50	$ 461.50
62	Willmar	$ 1,171.42	$ 1,276.33	$ 104.91	8.96%	$ 314.73	$ 459.73
63	Mankato	$ 1,045.35	$ 1,102.21	$ 56.86	5.44%	$ 170.58	$ 315.58

True Expense of a Speeding Ticket Following Insurance coverage Increases in North Carolina

North Carolina’s vehicle insurance premiums are among the lowest in the country—that is, as extended as drivers stay on the appropriate side of the law. Those who are assessed speeding tickets face many expenditures on the way to recovering their good record. Initial, if they’re caught going 15 MPH more than the speed limit, they will—in most cases—pay a $ 30 ticket, plus $ 188 in court expenses. They’ll also obtain points on their license.

Legal penalties are just the beginning. North Carolina’s Division of Insurance coverage maintains a separate technique for violations affecting auto insurance coverage. Drivers obtain points against their insurance—the quantity depends on the speed limit in the zone exactly where the driver was caught and the speed they were driving—and premium increases that last for 3 years. The correct cost of a speeding ticket in North Carolina is much more than 53 times the cost of the actual ticket—drivers spend an average of $ 1,619.63 for a $ 30 speeding ticket.  

What to Do If You Get a Speeding Ticket in North Carolina

Luckily, drivers who are caught speeding in North Carolina have a couple of excellent choices, as long as they haven’t had any violations within the previous 3 years. Agent Shaun Adams of S.J. Adams Insurance coverage in Raleigh says, “We’ll recommend our clientele go to an lawyer and get the charge decreased to 10 over”—that is, 10 mph more than the speed limit, which carries a lesser penalty. If the driver is productive, there’ll be no points assessed on his or her record and the insurance premium won’t change.

Drivers may also enter a Prayer for Judgment Continued (PJC). In this case, a driver may possibly technically acquire a conviction, but with out insurance consequences. Nonetheless, every single household is only allowed one PJC each and every 3 years for insurance purposes, so drivers must use this privilege very carefully. “If you get another ticket within 3 years, you’ll spend the penalty for both,” Adams warns.

Those unable to lodge a PJC or reduce their charge will receive insurance points and a premium hike at renewal. If their record is still great enough, Adams suggests they appear for an insurer with a lower base price: “Sometimes you can get a better deal,” he says.

Key Findings 

• Even though North Carolina’s average car insurance premium is a quite affordable $ 902.67, drivers who are caught speeding will spend an average of $ 1,369.89 every single year—a hike of 51.81%, or $ 467.21—provided they switch insurers.


• As in many states, North Carolina drivers encounter premium increases for 3 years after a targeted traffic offense. This implies they’re really on the hook for an average of $ 1,401.63 in further insurance payments as the result of a single ticket.


• On typical, a driver convicted of driving 15 miles an hour more than the speed limit will pay $ 1,619.63 once fines, court costs and 3 years’ worth of vehicle insurance increases are factored in.

The Most Expensive Speeding Tickets in North Carolina

Note: Areas with comparable demographics, regulation and geography frequently have comparable insurance coverage rates. As a result, many spots on our leading 10 list are ties among 2 or far more cities.

1. Hope Mills
    Spring Lake

Accurate price of a speeding ticket: $ 1,830.50

Drivers in Hope Mills and Spring Lake will pay the most following a speeding ticket in North Carolina. Even ahead of receiving a speeding ticket, drivers in Hope Mills and Spring Lake face higher vehicle insurance prices. On average they spend $ 1,101.83 annually, about $ 200 more than the state typical.

2. Fayetteville

Correct cost of a speeding ticket: $ 1,825.82

Fayetteville is a close neighbor to Hope Mills and Spring Lake and the city’s drivers face the subsequent highest premium increase following a speeding ticket, even if they switch providers. Drivers will, on average, pay $ 535.94 more for insurance coverage every single year.

Fayetteville is the property of Fort Bragg, a main army base. When searching for car insurance coverage, soldiers ought to see if they are in a position to get a discount. USAA, a vehicle insurance coverage business, only delivers insurance to soldiers and their loved ones members. If drivers qualify for USAA, it is typically the cheapest alternative.

3. Charlotte

True cost of a speeding ticket: $ 1,822.76

Charlotte is North Carolina’s biggest city and its drivers will pay the third highest penalty for a speeding ticket over 3 years. Prior to getting a ticket, the typical Charlotte driver will spend $ 992.83 per year for vehicle insurance. Following receiving a speeding ticket, nevertheless, Charlotte drivers will see their annual premiums jump to $ 1,604.76.

4. Lumberton
    Laurinburg

Correct cost of a speeding ticket: $ 1,814.24

Additional south, drivers in Lumberton and Laurinburg encounter the next biggest premium improve following a speeding ticket even if they switch providers: about $ 532.08 per year. This amounts to a 50.05% increase, decrease than the one knowledgeable by Charlotte drivers. Nonetheless, due to the fact Lumberton and Laurinburg drivers have higher base premiums for secure drivers, those with a speeding ticket will pay $ 1,595.08 per year in automobile insurance coverage.

The southeast element of the state, exactly where Lumberton and Laurinburg are located, is reasonably costly for these acquiring auto insurance. Several other cities and towns in the best 10 are nearby. Interestingly, one of the bigger cities in the region, Wilmington, has a per-year insurance enhance of about $ 30 less than Lumberton and Laurinburg.

5. Sanford
    Clayton
    Smithfield

True price of a speeding ticket: $ 1,793.27

Sanford, Clayton and Smithfield, all situated amongst Raleigh and Fayetteville, have the next highest difference amongst pre- and post-ticket premiums. Drivers in these towns will see a premium about $ 1,557.42 once they’ve been convicted of speeding. This is an boost in premiums of about $ 525.09 per year, or $ 1,575.27 total over the 3-year penalty.

Though the 3 towns are reasonably distant from key cities, residents pay a slightly greater price for insurance coverage than other towns even closer to Raleigh. Apex and Garner drivers, for example, spend $ 1,364.75 and $ 1,362.08 per year for auto insurance coverage respectively, compared to xxx for Sanford, Clayton and Smithfield.

6. Jacksonville

Accurate cost of a speeding ticket: $ 1,773.26

Drivers in Jacksonville pay, on average, more for automobile insurance than other North Carolina drivers. The typical Jacksonville driver pays $ 1,036.00 for car insurance annually. Right after receiving a speeding ticket, they will spend $ 518.42 much more for insurance coverage every single year. Given that insurance increases final for 3 years in North Carolina, Jacksonville drivers will spend $ 1,555.26 in added insurance charges as a outcome of a single speeding ticket.

7. Gastonia
    Mount Holly
    Kings Mountain
    Belmont

True cost of a speeding ticket: $ 1,755.77

Gastonia, Kings Mountain, Mount Holly and Belmont all sit east of Charlotte and share the very same average vehicle insurance coverage rates. Drivers with clean records pay an average annual premium of $ 986.08 but if they get a ticket, they’ll see their rate climb to $ 1,498.67—$ 512.59 in added premiums per year. Because rate increases last for 3 years, drivers will pay $ 1,537.77 far more in total before their rates go back to typical.

7 Leland

True expense of a speeding ticket: $ 1,720.49

Residents of Leland, which is just outdoors of Wilmington, see their premiums jump to $ 1,454.50 if they obtain a speeding ticket. This amounts to a 52.52% boost, even for comparison shoppers, or $ 500.83 much more each year of the penalty.

The southern portion of North Carolina sees slightly larger premiums, on typical, than the northern part coastal cities also rank high on the list. Leland, Wilmington, Jacksonville and Elizabeth City all make the leading 10, ahead of larger cities further north and inland. Greensboro drivers see a total expense of $ 1,600.28 for a speeding ticket, much more than $ 100 significantly less than drivers in Leland. Drivers in Winston-Salem and Durham have related figures.

9. Wilmington

True price of a speeding ticket: $ 1,712.51

Wilmington drivers pay the ninth highest expense in the state for a speeding ticket, taking into consideration legal fees and insurance premiums. Right after 3 years of elevated premiums, they’ll have paid an average of $ 1,494.51 added to their insurance company—about $ 498.17 per year.

Drivers in Wilmington, the eighth biggest city in North Carolina, expertise larger prices than these in Higher Point, a city with a equivalent population. On average, drivers in High Point will see their car insurance coverage prices enhance by $ 445.16 as the result of a ticket. The standard driver in Greenville, the next largest city, will pay  $ 474.92 more for auto insurance coverage.

8. Elizabeth City

Correct price of a speeding ticket: $ 1,671.50

Rounding out the leading 10, Elizabeth City drivers see a comparable, but reduced, true expense for speeding compared to other coastal drivers. As soon as they get a speeding ticket, their best insurance price increases an average 52.46%, from $ 923.50 to $ 1,408.00. That adds up to $ 484.50 in added premiums every year, over 3 years.

Elizabeth City is the northernmost town in the prime 10. Although North Carolina doesn’t have as massive a spread in premiums in between cities as some states do, the northern part of the state does see decrease typical rates. In Henderson, drivers pay about $ 482.25 per year in added premiums following a ticket—only about $ 2 much less than drivers in Elizabeth City, but virtually $ 50 significantly less than these in Lumberton or Laurinburg.

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Most Expensive Cities to Get a Speeding Ticket in North Carolina

Least High-priced Cities to Get a Speeding Ticket in North Carolina

Rank	City	Annual premium	Annual premium soon after a speeding ticket	Percentage boost	Dollar improve	Total insurance improve right after 3 years	Accurate Expense
1	Hope Mills	$ 1,101.83	$ 1,639.33	48.78%	$ 537.50	$ 1,612.50	$ 1,830.50
1	Spring Lake	$ 1,101.83	$ 1,639.33	48.78%	$ 537.50	$ 1,612.50	$ 1,830.50
2	Fayetteville	$ 1,093.15	$ 1,629.09	49.03%	$ 535.94	$ 1,607.82	$ 1,825.82
3	Charlotte	$ 992.83	$ 1,527.75	53.88%	$ 534.92	$ 1,604.76	$ 1,822.76
4	Lumberton	$ 1,063.00	$ 1,595.08	50.05%	$ 532.08	$ 1,596.24	$ 1,814.24
4	Laurinburg	$ 1,063.00	$ 1,595.08	50.05%	$ 532.08	$ 1,596.24	$ 1,814.24
5	Sanford	$ 1,032.33	$ 1,557.42	50.86%	$ 525.09	$ 1,575.27	$ 1,793.27
5	Clayton	$ 1,032.33	$ 1,557.42	50.86%	$ 525.09	$ 1,575.27	$ 1,793.27
5	Smithfield	$ 1,032.33	$ 1,557.42	50.86%	$ 525.09	$ 1,575.27	$ 1,793.27
6	Jacksonville	$ 1,036.00	$ 1,554.42	50.04%	$ 518.42	$ 1,555.26	$ 1,773.26
7	Gastonia	$ 986.08	$ 1,498.67	51.98%	$ 512.59	$ 1,537.77	$ 1,755.77
7	Mount Holly	$ 986.08	$ 1,498.67	51.98%	$ 512.59	$ 1,537.77	$ 1,755.77
7	Kings Mountain	$ 986.08	$ 1,498.67	51.98%	$ 512.59	$ 1,537.77	$ 1,755.77
7	Belmont	$ 986.08	$ 1,498.67	51.98%	$ 512.59	$ 1,537.77	$ 1,755.77
8	Leland	$ 953.67	$ 1,454.50	52.52%	$ 500.83	$ 1,502.49	$ 1,720.49
9	Wilmington	$ 936.25	$ 1,434.42	53.21%	$ 498.17	$ 1,494.51	$ 1,712.51
10	Elizabeth City	$ 923.50	$ 1,408.00	52.46%	$ 484.50	$ 1,453.50	$ 1,671.50

Methodology

To figure out the typical insurance coverage premium increases, we retrieved quotes for 8 various driver profiles in North Carolina: 27-year-old single males and females and 40-year-old married guys and women, every single driving Toyota Camrys and Ford Escapes. For each and every driver profile, we chose each and every city’s 3 cheapest vehicle insurance quotes to mimic consumer behavior and to decide our overall typical. We only surveyed cities that had populations greater than 20,000 residents. We calculated the total cost of a 15-mile-per-hour speeding ticket by adding the price of a speeding ticket to 3 years of vehicle insurance coverage increases. The estimated insurance expenses are for illustrative purposes only. The actual insurance increases you face will differ based on your insurance coverage carrier, your place and other factors.

Alice Holbrook contributed to the writing and investigation of this study.

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Image of police officer issuing ticket by means of Shutterstock.

True Expense of a Speeding Ticket Following Insurance coverage Increases in North Carolina

Rank	City	Annual premium	Annual premium right after a speeding ticket	Percentage enhance	Dollar enhance	Total insurance coverage increase following 3 years	Correct Price
1	Asheville	$ 809.33	$ 1,220.67	50.82%	$ 411.34	$ 1,234.02	$ 1,452.02
2	Indian Trail	$ 823.42	$ 1,237.75	50.32%	$ 414.33	$ 1,242.99	$ 1,460.99
3	Monroe	$ 818.88	$ 1,235.00	50.82%	$ 416.12	$ 1,248.36	$ 1,466.36
4	Harrisburg	$ 805.75	$ 1,222.58	51.73%	$ 416.83	$ 1,250.49	$ 1,468.49
5	Concord	$ 790.42	$ 1,207.83	52.81%	$ 417.41	$ 1,252.23	$ 1,470.23
5	Salisbury	$ 790.42	$ 1,207.83	52.81%	$ 417.41	$ 1,252.23	$ 1,470.23
6	Thomasville	$ 789.92	$ 1,212.08	53.44%	$ 422.16	$ 1,266.48	$ 1,484.48
6	Summerfield	$ 789.92	$ 1,212.08	53.44%	$ 422.16	$ 1,266.48	$ 1,484.48
7	Kannapolis	$ 839.96	$ 1,271.00	51.32%	$ 431.04	$ 1,293.12	$ 1,511.12
8	Asheboro	$ 815.58	$ 1,250.75	53.36%	$ 435.17	$ 1,305.51	$ 1,523.51
9	Shelby	$ 862.33	$ 1,300.58	50.82%	$ 438.25	$ 1,314.75	$ 1,532.75
9	Lincolnton	$ 862.33	$ 1,300.58	50.82%	$ 438.25	$ 1,314.75	$ 1,532.75
10	Lexington	$ 826.75	$ 1,265.58	53.08%	$ 438.83	$ 1,316.49	$ 1,534.49

How a lot your traffic ticket will bump your automobile insurance premium?

Amongst all other aspects equal, site visitors ticket signifies that your car insurance premium will go up.

Based on the moving violation, acquiring only one visitors ticket can increase your car insurance premium by as a lot as 37 percent, according to an evaluation of more than 15,000 policy quotes carried out by Insurox.com in New Jersey.

The study is created on a single incident. The Auto Insurance premium may be higher for certain drivers, especially for these with multiple violations on their records.

According to the study, most drivers, regardless of the insurance coverage firm will see boost on their automobile insurance coverage premium in between 8-37% on a single targeted traffic ticket.
Insurance price calculations vary drastically from firm to firm, and most insurance organizations are not offering details to the public on precisely how prices are calculated.

Visitors Tickets can bump you insurance coverage premium as considerably as 37 percent

Here’s the list of how much traffic ticket will improve your auto insurance coverage premium, in New Jersey determined by Insurox.com:

1. 
   

   &gt&gt Speeding 1-14: 8 %

   
   


2. 
   

   &gt&gt Speeding 15-29: 12 %

   
   


3. 
   

   &gt&gt Speeding 30 mph over: 20 percent

   
   


4. 
   

   &gt&gt DUI first offense: 26 %

   
   


5. 
   

   &gt&gt Driving with out a license or permit: 19 percent

   
   


6. 
   

   &gt&gt Careless driving: 37 %

   
   


7. 
   

   &gt&gt Failure to cease: 23 percent

   
   


8. 
   

   &gt&gt Improper turn: 22 percent

   
   


9. 
   

   &gt&gt Improper passing: 18 %

   
   


10. 
    

    &gt&gt Following too close/tailgating: 21 %

    
    


11. 
    

    &gt&gt Failure to yield: 17 %

    
    


12. 
    

    &gt&gt No car insurance coverage: 16 percent

    
    


13. 
    

    &gt&gt Minor Moving Violation: 10 %

    
    


14. 
    

    &gt&gt Unsafe Driving: 12 %

    
    

Even so, drivers with a history of repeated moving violations like driving beneath the influence, leaving the scene of an accident, and careless driving – are always charged greater insurance premiums.

If you seeing huge improve due to the fact of you moving violation, try to get the all discounts that are provided by your insurance company so you will “neutralize” your traffic ticket.

If you feel like trying a new insurer — and possibly saving some cash while you’re at it — take a totally free Insurox quote or compare quotes online.

How a lot your traffic ticket will bump your automobile insurance premium?

The True Cost of a Speeding Ticket in Illinois

Speeding tickets are pricey, but the insurance increases that drivers face right after getting a ticket often have an even greater impact on their pocketbooks than the ticket itself. In Illinois, driving 15 miles per hour more than the speed limit will outcome in a $ 120 fine.  Following receiving a speeding ticket, the average Illinois driver will face a $ 124.80 enhance in his annual car insurance coverage rate. Insurance coverage hikes last for 5 years in Illinois, so drivers can count on to pay $ 624 more for insurance if they’ve been caught speeding.  The true expense of a speeding ticket in Illinois is 6.2 times the cost of the actual ticket—drivers pay an average of $ 744 in total for a $ 120 speeding ticket.

• Most expensive cities to get a speeding ticket in Illinois


• Least pricey cities to get a speeding ticket in Illinois


• Complete list

Not all drivers in Illinois, nevertheless, knowledge the identical insurance increases. For example, a driver in Harvey will pay $ 171.57 a lot more per year for car insurance coverage right after acquiring a ticket, whereas a driver in Evanston will only pay $ 91.48 a lot more per year. Generally, the percentage increase in auto insurance coverage prices is constant in Illinois—about 12%. The disparity in dollar quantity increases can be best explained by the variability in vehicle insurance prices from location to place.

Key findings

• The typical automobile insurance coverage enhance for Illinois drivers right after a 15 miles per hour over the limit speeding ticket is $ 124.80 per year. Insurance coverage increases frequently last for 5 years in Illinois, which indicates a $ 120 ticket actually fees $ 744.


• In Illinois, the typical driver will face a 12.34% annual insurance premium increase following receiving a speeding ticket.


• Nine out of the 10 cities that see the largest insurance coverage increases soon after speeding tickets are in Cook County. Chicagoans, even so, do not crack the top 10 they have the 15th largest insurance increases after acquiring a speeding ticket.

What need to you do if you obtain a speeding ticket in Illinois?

Illinois drivers with clean records normally have 3 alternatives after getting a minor speeding ticket:

• Plead guilty, spend the fine and get a conviction.


• Plead guilty, spend the fine and attend targeted traffic security school to avoid getting a conviction.


• Plead not guilty and request a court date.

If you are eligible to attend a visitors security course: It is typically far more financially accountable to take the course and keep away from a conviction. For instance, drivers in Cook County only have to spend $ 27 on top of their ticket to enroll in visitors security school. Although you will spend slightly a lot more, your insurance coverage rates will remain the very same.

If you get a conviction: Now is a good time to gather new quotes from a couple of auto insurers. Some carriers will overlook visitors violations, but drivers won’t know if their carrier is one of them unless they do their investigation.

Illinois cities exactly where it is most high-priced to get a speeding ticket

1. Harvey

Accurate expense of a speeding ticket:  $ 977.85

Chicagoland drivers see the greatest insurance increases after receiving a speeding ticket, particularly these in the south suburbs.  Compared to other Illinois drivers, the typical Harvey driver pays the most for vehicle insurance, $ 1,340.81 per year. As a outcome, they have the highest per year boost of any Illinois city, $ 171.57, even although the percentage increase is on par with the state average.

The typical Harvey household earned $ 28,123, a lot much less than the state average of $ 56,853. Education levels frequently impact an area’s vehicle insurance rates. Only 10.5% of Harvey residents have a bachelor’s degree or greater, compared to 31.1% of Illinois residents.  According to the U.S. Bureau of Labor Statistics, Harvey also has a 12.5% unemployment rate—higher than the state average of 7.9%. 

2. Cicero

Accurate price of a speeding ticket: $ 939.05

Soon after acquiring a speeding ticket, Cicero drivers spend an average of $ 163.81 per year a lot more every year for auto insurance coverage. Given that speeding tickets typically influence auto insurance coverage premiums for 5 years, Illinois drivers who obtain speeding tickets pay an additional $ 819.05.

Drivers in congested cities typically have larger auto insurance coverage premiums. With a lot more vehicles and obstacles on the road, drivers face a larger likelihood of obtaining in an accident. Cicero has a larger population density than Chicago, with 14,303.7 folks per square mile.

3. Park Ridge

True cost of a speeding ticket: $ 930.65

Park Ridge is a single of 2 northern suburbs to make the list of cities with the largest insurance coverage increases following a speeding ticket. The average Park Ridge driver pays $ 1,147 per year for car insurance, but following getting a speeding ticket, that quantity jumps to $ 1,309.13. Considering that hikes generally last for 5 years, Park Ridge residents can anticipate to pay $ 810.65 far more for insurance as a outcome of a minor speeding ticket.

4. Berwyn

True expense of a speeding ticket $ 930.00

Berwyn drivers, like neighboring Cicero drivers, have higher auto insurance coverage rates. A common Berwyn driver pays $ 1,211.88 per year for car insurance. Nonetheless, following receiving a speeding ticket, the average driver should spend $ 162.00 more per year for vehicle insurance for 5 years. As a outcome of a single speeding ticket, the typical Berwyn driver pays $ 810 more for automobile insurance.

A municipality’s density is a huge factor when determining auto insurance prices. Berwyn has 14,508.8 individuals per square mile, which is the highest population density of any township in Illinois—even much more than Chicago.

5. Calumet City

Correct cost of a speeding ticket in Calumet: $ 928.45

Calumet City drivers see the fifth highest insurance coverage increases right after they obtain speeding tickets. On average, Calumet City drivers pay $ 1,275.44 per year for automobile insurance coverage, but after receiving a speeding ticket, they can count on to spend $ 1,437.13 each year. The typical auto insurance enhance is $ 161.69 per year in Calumet City, which outcomes in a 5-year total of $ 808.45 added in car insurance coverage costs.

6. Oak Lawn

True price of a speeding ticket in Oak Lawn: $ 924.40

Oak Lawn drivers are virtually tied with Calumet drivers when it comes to the dollar improve in insurance premiums. Following getting a speeding ticket, Oak Lawn drivers spend $ 160.88 more per year on typical for insurance. Since premium increases normally final for 5 years, this final results in a grand total of $ 804.40 in insurance increases.

7. Chicago Heights

Accurate cost of a speeding ticket: $ 887.50

Drivers in Chicago Heights, one of Chicagoland’s south suburbs, face the 6th largest auto insurance premium increases after they acquire a speeding ticket. When convicted of a speeding ticket, the average Chicago Heights driver will see his car insurance premium improve by $ 153.50 per year for 5 years. Drivers will as a result spend $ 767.50 more for insurance as a outcome of a single speeding ticket.

8. Northbrook

Correct cost of a speeding ticket: $ 883.15

Northbrook is the northernmost suburb to make the list. On average, its residents pay $ 1,034.50 per year for auto insurance coverage. After a speeding ticket, Northbrook drivers pay $ 152.63 far more per year. In total, they will pay $ 763.15 in insurance coverage increases following a speeding ticket.

9. Dekalb

Accurate expense of a speeding ticket: $ 878.75

Dekalb, a city in Dekalb County, is the only city to make the list that is not in Cook County. The typical Dekalb driver pays $ 891.63 per year for auto insurance, but following receiving a speeding ticket, Dekalb drivers will spend $ 151.75 far more per year for insurance. Aspect in a 5-year insurance boost, and a Dekalb driver will spend $ 758.75 in improved insurance coverage premiums for a single ticket.

10. Oak Park

True price of a speeding ticket: $ 866.45

Oak Park is typically admired for its mixture of suburban charm and its easy access to large city amenities. It borders Chicago and has connecting “L” lines. Oak Park drivers, nevertheless, spend slightly far more for insurance coverage than their massive city neighbors soon after receiving a speeding ticket. After receiving a speeding ticket, Oak Park motorists will spend $ 149.29 more per year for vehicle insurance. Accounting for 5 years of insurance coverage increases, a single speeding ticket will price the typical Oak Park driver $ 746.45. 

Most pricey cities to get a speeding ticket in Illinois

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Least expensive cities to get a speeding ticket in Illinois

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The full list

Methodology:

To decide the average insurance coverage premium increases, we retrieved quotes for 4 diverse driver profiles in Illinois: 27-year-old single guys and ladies and 40-year-old married guys and women every driving Toyota Camrys and Ford Escapes. For each and every driver profile, we chose each and every city’s 2 least expensive auto insurance coverage quotes to mimic consumer behavior and to figure out our overall average. We only surveyed cities that had populations greater than 15,000 residents. All demographic data comes from the Census. We calculated the total expense of the speeding ticket by adding the price of a speeding ticket to 5 years of vehicle insurance coverage increases. The estimated charges are for illustrative purposes only. The actual insurance increases you face will differ depending on your insurance carrier, your place and other aspects.

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The True Cost of a Speeding Ticket in Illinois

Ranking	City	Accurate Expense	Annual Auto Insurance Premium	Annual Premium Following a Speeding Ticket	Percentage Increase	Dollar Enhance	5-Year Insurance coverage Enhance
1	Harvey	$ 977.85	$ 1,340.81	$ 1,512.38	12.80%	$ 171.57	$ 857.85
2	Cicero	$ 939.05	$ 1,282.25	$ 1,446.06	12.78%	$ 163.81	$ 819.05
3	Park Ridge	$ 930.65	$ 1,147.00	$ 1,309.13	14.14%	$ 162.13	$ 810.65
4	Berwyn	$ 930.00	$ 1,211.88	$ 1,373.88	13.37%	$ 162.00	$ 810.00
5	Calumet City	$ 928.45	$ 1,275.44	$ 1,437.13	12.68%	$ 161.69	$ 808.45
6	Oak Lawn	$ 924.40	$ 1,169.31	$ 1,330.19	13.76%	$ 160.88	$ 804.40
7	Chicago Heights	$ 887.50	$ 1,171.25	$ 1,324.75	13.11%	$ 153.50	$ 767.50
8	Northbrook	$ 883.15	$ 1,034.50	$ 1,187.13	14.75%	$ 152.63	$ 763.15
9	Dekalb	$ 878.75	$ 891.63	$ 1,043.38	17.02%	$ 151.75	$ 758.75
10	Oak Park	$ 866.45	$ 1,145.52	$ 1,294.81	13.03%	$ 149.29	$ 746.45
11	Melrose Park	$ 864.65	$ 1,146.38	$ 1,295.31	12.99%	$ 148.93	$ 744.65
12	Addison	$ 864.05	$ 990.19	$ 1,139.00	15.03%	$ 148.81	$ 744.05
13	Burbank	$ 861.55	$ 1,115.00	$ 1,263.31	13.30%	$ 148.31	$ 741.55
14	Lansing	$ 861.25	$ 1,133.38	$ 1,281.63	13.08%	$ 148.25	$ 741.25
15	Chicago	$ 846.55	$ 1,236.52	$ 1,381.83	11.75%	$ 145.31	$ 726.55
16	Oak Forest	$ 844.40	$ 1,146.56	$ 1,291.44	12.64%	$ 144.88	$ 724.40
17	Granite City	$ 836.55	$ 1,070.25	$ 1,213.56	13.39%	$ 143.31	$ 716.55
18	Hoffman Estates	$ 826.10	$ 1,031.69	$ 1,172.91	13.69%	$ 141.22	$ 706.10
19	Orland Park	$ 816.75	$ 1,075.09	$ 1,214.44	12.96%	$ 139.35	$ 696.75
20	East Saint Louis	$ 814.35	$ 1,247.14	$ 1,386.01	11.14%	$ 138.87	$ 694.35
21	Belvidere	$ 807.20	$ 978.50	$ 1,115.94	14.05%	$ 137.44	$ 687.20
22	Tinley Park	$ 800.00	$ 1,050.97	$ 1,186.97	12.94%	$ 136.00	$ 680.00
23	Belleville	$ 790.25	$ 1,027.33	$ 1,161.38	13.05%	$ 134.05	$ 670.25
24	Alton	$ 783.40	$ 1,005.38	$ 1,138.06	13.20%	$ 132.68	$ 663.40
25	Glenview	$ 779.25	$ 1,055.34	$ 1,187.19	12.49%	$ 131.85	$ 659.25
26	Buffalo Grove	$ 778.15	$ 1,039.56	$ 1,171.19	12.66%	$ 131.63	$ 658.15
27	Wilmette	$ 777.15	$ 1,008.63	$ 1,140.06	13.03%	$ 131.43	$ 657.15
28	Des Plaines	$ 773.00	$ 1,002.06	$ 1,132.66	13.03%	$ 130.60	$ 653.00
29	Decatur	$ 771.60	$ 983.06	$ 1,113.38	13.26%	$ 130.32	$ 651.60
30	Schaumburg	$ 769.65	$ 997.70	$ 1,127.63	13.02%	$ 129.93	$ 649.65
31	Collinsville	$ 757.20	$ 973.25	$ 1,25.69	13.09%	$ 127.44	$ 637.20
32	Peoria	$ 756.00	$ 984.53	$ 1,111.73	12.92%	$ 127.20	$ 636.00
33	Arlington Heights	$ 755.20	$ 958.84	$ 1,085.88	13.25%	$ 127.04	$ 635.20
34	Streamwood	$ 751.90	$ 974.25	$ 1,100.63	12.97%	$ 126.38	$ 631.90
35	Woodridge	$ 751.25	$ 978.69	$ 1,104.94	12.90%	$ 126.25	$ 631.25
36	Glendale Heights	$ 747.20	$ 952.19	$ 1,077.63	13.17%	$ 125.44	$ 627.20
37	Mchenry	$ 746.70	$ 951.94	$ 1,077.28	13.17%	$ 125.34	$ 626.70
38	Hanover Park	$ 745.30	$ 1,019.38	$ 1,144.44	12.27%	$ 125.06	$ 625.30
39	Elmhurst	$ 742.50	$ 970.00	$ 1,094.50	12.84%	$ 124.50	$ 622.50
40	North Chicago	$ 740.60	$ 968.38	$ 1,092.50	12.82%	$ 124.12	$ 620.60
41	Lombard	$ 739.05	$ 951.25	$ 1,075.06	13.02%	$ 123.81	$ 619.05
42	Gurnee	$ 734.70	$ 933.94	$ 1,056.88	13.16%	$ 122.94	$ 614.70
43	Carbondale	$ 731.25	$ 1,019.44	$ 1,141.69	11.99%	$ 122.25	$ 611.25
44	O Fallon	$ 730.90	$ 932.13	$ 1,054.31	13.11%	$ 122.18	$ 610.90
45	Mount Prospect	$ 730.65	$ 999.81	$ 1,121.94	12.22%	$ 122.13	$ 610.65
46	Oswego	$ 730.60	$ 913.63	$ 1,035.75	13.37%	$ 122.12	$ 610.60
47	Springfield	$ 729.20	$ 964.30	$ 1,086.14	12.64%	$ 121.84	$ 609.20
48	Waukegan	$ 724.20	$ 978.75	$ 1,099.59	12.35%	$ 120.84	$ 604.20
49	Wheeling	$ 723.45	$ 1,054.44	$ 1,175.13	11.45%	$ 120.69	$ 603.45
50	Palatine	$ 723.10	$ 980.41	$ 1,101.03	12.30%	$ 120.62	$ 603.10
51	Moline	$ 723.10	$ 937.94	$ 1,058.56	12.86%	$ 120.62	$ 603.10
52	Wheaton	$ 720.30	$ 930.16	$ 1,050.22	12.91%	$ 120.06	$ 600.30
53	Glen Ellyn	$ 717.50	$ 976.06	$ 1,095.56	12.24%	$ 119.50	$ 597.50
54	Naperville	$ 707.25	$ 917.52	$ 1,034.97	12.80%	$ 117.45	$ 587.25
55	Batavia	$ 704.10	$ 906.06	$ 1,022.88	12.89%	$ 116.82	$ 584.10
56	Champaign	$ 699.80	$ 927.98	$ 1,043.94	12.50%	$ 115.96	$ 579.80
57	West Chicago	$ 699.40	$ 954.56	$ 1,070.44	12.14%	$ 115.88	$ 579.40
58	Crystal Lake	$ 699.10	$ 949.81	$ 1,065.63	12.19%	$ 115.82	$ 579.10
59	Downers Grove	$ 695.95	$ 979.97	$ 1,095.16	11.75%	$ 115.19	$ 575.95
60	Kankakee	$ 695.60	$ 976.94	$ 1,092.06	11.78%	$ 115.12	$ 575.60
61	Joliet	$ 691.65	$ 1,015.20	$ 1,129.53	11.26%	$ 114.33	$ 571.65
62	Niles	$ 691.25	$ 1,092.81	$ 1,207.06	10.45%	$ 114.25	$ 571.25
63	Saint Charles	$ 690.45	$ 921.69	$ 1,035.78	12.38%	$ 114.09	$ 570.45
64	Urbana	$ 689.50	$ 930.16	$ 1,044.06	12.25%	$ 113.90	$ 569.50
65	Pekin	$ 689.35	$ 880.88	$ 994.75	12.93%	$ 113.87	$ 569.35
66	Elk Grove Village	$ 689.05	$ 979.13	$ 1,092.94	11.62%	$ 113.81	$ 569.05
67	Rock Island	$ 680.00	$ 944.00	$ 1,056.00	11.86%	$ 112.00	$ 560.00
68	Freeport	$ 678.75	$ 896.50	$ 1,008.25	12.47%	$ 111.75	$ 558.75
69	Galesburg	$ 677.20	$ 865.69	$ 977.13	12.87%	$ 111.44	$ 557.20
70	Bartlett	$ 668.40	$ 991.63	$ 1,101.31	11.06%	$ 109.68	$ 548.40
71	Skokie	$ 665.00	$ 1,144.09	$ 1,253.09	9.53%	$ 109.00	$ 545.00
72	Romeoville	$ 663.10	$ 1,022.63	$ 1,131.25	8.62%	$ 108.62	$ 543.10
73	Plainfield	$ 656.55	$ 1,004.46	$ 1,111.77	10.68%	$ 107.31	$ 536.55
74	Bloomington	$ 656.15	$ 845.04	$ 952.27	12.69%	$ 107.23	$ 536.15
75	Elgin	$ 654.15	$ 972.13	$ 1,078.96	8.99%	$ 106.83	$ 534.15
76	Normal	$ 648.15	$ 846.75	$ 952.38	12.47%	$ 105.63	$ 528.15
77	Carol Stream	$ 646.25	$ 974.88	$ 1,080.13	10.80%	$ 105.25	$ 526.25
78	Rockford	$ 645.70	$ 1,024.47	$ 1,129.61	8.26%	$ 105.14	$ 525.70
79	Algonquin	$ 645.35	$ 982.81	$ 1,087.88	8.69%	$ 105.07	$ 525.35
80	Aurora	$ 643.10	$ 951.63	$ 1,056.25	8.99%	$ 104.62	$ 523.10
81	Quincy	$ 628.75	$ 796.31	$ 898.06	12.78%	$ 101.75	$ 508.75
82	Highland Park	$ 619.70	$ 1,050.75	$ 1,150.69	9.51%	$ 99.94	$ 499.70
83	Mundelein	$ 616.25	$ 959.44	$ 1,058.69	10.34%	$ 99.25	$ 496.25
84	Bolingbrook	$ 614.35	$ 1,066.69	$ 1,165.56	9.27%	$ 98.87	$ 494.35
85	Danville	$ 598.75	$ 951.38	$ 1,047.13	8.06%	$ 95.75	$ 478.75
86	Carpentersville	$ 595.65	$ 962.56	$ 1,057.69	9.88%	$ 95.13	$ 475.65
87	Vernon Hills	$ 588.75	$ 984.56	$ 1,078.31	9.52%	$ 93.75	$ 468.75
88	Evanston	$ 577.40	$ 1,054.77	$ 1,146.25	8.67%	$ 91.48	$ 457.40

Correct Cost of a Speeding Ticket in Texas soon after Insurance Increases

With all that open space, it’s easy to understand the temptation to speed in Texas. And with speed limits of up to 85 mph, drivers in the state will have to go faster than most to run afoul of the law. Unfortunately, those who do get caught going a little — or a lot — too fast will still face serious consequences. In many cases, they’ll have to pay their ticket, then they’ll see their insurance premiums go up. In Texas, the points drivers receive after getting a ticket remain on their record for 3 years, and this means their insurance increases last that long as well.

While the average Texas driver pays an annual insurance premium of $ 1,074.68, the average driver ticketed for going 15 mph over the speed limit pays $ 1,202.24. Different municipalities in Texas charge different amounts, and sometimes it varies quite a bit for speeding tickets. City and county courts may also have different fines.

Of course, in addition to an individual’s driving history, insurance premiums are also associated with other factors, such as the crime rate, number of uninsured drivers, median income and the weather. Drivers in the same Texas town, even with the same violation, may still pay different insurance rates. But they have a better chance of paying less – or more – in insurance costs for a ticket if they live in one of the following communities.

Key findings:

• The average car insurance increase for Texas drivers after they receive a speeding ticket for driving 15 mph over the limit is $ 127.56 a year, and insurance increases often last 3 years. That means Texas drivers on average pay an additional $ 382.68 on top of the ticket.


• A driver in Lubbock will pay $ 167.44 more in insurance costs than a driver in Flower Mound.


• After a 15 mph speeding ticket, Texas drivers’ average annual car insurance premiums increase 11.87%.

5 cities with the least expensive insurance increases after a speeding ticket

1. Flower Mound

Average insurance increase: 8.75%
15 mph ticket fine: $ 195
True cost: $ 472.89

Northeast Texas drivers — specifically those just north of Dallas — see the lowest average insurance increase in the state after a speeding ticket. All 5 of the cheapest cities are in the Dallas region, but Flower Mound drivers face the lowest penalties. On top of a relatively low average insurance premium — $ 1,058.81 — their rates will go up only about $ 92.63 a year after receiving a ticket. They’ll also pay the penalty for speeding for a total cost of $ 472.89.

Flower Mound is in Denton and Tarrant counties, which both had a high rate of accidents and traffic fatalities in the most recent years data was available. In 2012, Tarrant County reported 122 traffic fatalities, the third-highest number in the state. However, Flower Mound also has a high median income, a factor which could contribute to its low insurance rates.

2. Garland

Average insurance increase: 8.8%
15 mph ticket fine: $ 183
True cost: $ 493.74

Garland drivers face the next lowest insurance penalties for speeding in the state. While the town’s average insurance premium is $ 1,176.81, ticketed drivers pay about $ 103.58 more for a total of $ 1,280.39. Between the 3-year increase and traffic fine, they’ll pay $ 493.74.

Portions of Garland are in Dallas and Collin counties, which both also have higher traffic accident and fatality rates in the state. Dallas County had 208 traffic fatalities in 2012, the second-highest number in Texas. But in Garland, there were only 12 fatalities, making it a safer place to drive than other locations in the area.

3. Sachse

Average insurance increase: 8.81%
15 mph ticket fine: $ 170
True cost: $ 481.79

The small town of Sachse has the third-lowest insurance increases in the state after a speeding ticket. The average driver who pays $ 1,179.88 a year in premiums will see that increase to $ 1,283.81, a difference of $ 103.93. When their ticket is factored in, they’ll pay a penalty of about $ 481.79 over 3 years.

Like Garland, Sachse is part of 2 counties, Dallas and Collin. In addition to having a high rate of accidents, Dallas County also has one of the state’s highest levels of uninsured drivers: 16% hit the road without proper legal protection. That said, Sachse’s size – its population is only 20,329 – may result in lower congestion in the town.

4. The Colony

Average insurance increase: 8.83%
15 mph ticket fine: $ 185
True cost: $ 472.25

At The Colony, residents of the Dallas suburb pay about $ 95.75 more a year in insurance premiums after receiving a speeding ticket for an average premium of $ 1,180.50. After they’ve paid their speeding ticket, the average penalty will total $ 472.25.

Even if drivers haven’t been fined for speeding, the small and wealthy suburb’s demographics and size may help lower its insurance premiums. The community also has a much lower rate of property crimes than the rest of Texas.

5. Coppell

Average insurance increase: 8.84%
15 mph ticket fine: Varies

In this community close to the Dallas/Fort Worth International Airport, Coppell residents enjoy quick access to the skies — and low penalties for speeding. The average resident with a clean record pays $ 1,106.38 in insurance premiums, while residents with a speeding ticket pay $ 1,204.13, an increase of $ 97.75. Over 3 years, on top of the ticket fine, speeders will pay $ 293.25 extra for their insurance.

Though Coppell is primarily in Dallas County, its median income is more than double that of the state’s median. In addition, the mean travel time for its residents who work, 23.8 minutes, is below average for Texas drivers.

5 cities with the most expensive insurance increases after a speeding ticket

1. Lubbock

Average insurance increase: 13.88%
15 mph ticket fine: Varies

In this city next to New Mexico’s border, Lubbock residents have the pleasure of being hit with the largest insurance increases after a speeding ticket in the state of Texas. At $ 148.44 more a year, Lubbock drivers pay a high price for their mistakes although their premiums overall are low. The average driver’s yearly costs will increase from $ 1,069.56 to $ 1,218.00, a total of $ 445.32 over 3 years, not including the ticket.

Lubbock is one of Texas’ biggest cities, and its drivers cause a higher number of crashes and fatal accidents than those in other similarly sized cities — including Garland, Laredo and Plano — which may be the reason for its rates. In 2012, Lubbock drivers were responsible for 22 of the 30 traffic fatalities in Lubbock County. As well, a higher-than-average number of the city’s residents live below the poverty line, which could be one reason Lubbock residents pay higher premiums.

2. Pflugerville

Average insurance increase: 13.69%
15 mph ticket fine: $ 189
True cost: $ 634.11

Residents in the Austin suburb of Pflugerville will see the second-highest insurance increases in the state after they get a speeding ticket. Average premiums increase from $ 1,083.69 to $ 1,232.06. In total, they’ll pay $ 634.11 for increased premiums and their ticket.

Travis County has relatively low rates of crashes and fatalities, 105 in 2012, for a county with its population; and Pflugerville had only 1 fatality. Still, the town undoubtedly pays a price for being within commuting distance of Austin. Earlier this year, Forbes ranked Austin’s traffic congestion as the 4th worst in the country. Pflugerville residents who commute into Austin will spend an annual average of 41 hours in traffic.

3. Round Rock

Average insurance increase: 13.65%
15 mph ticket fine: $ 202
True cost: $ 616.36

Residents in Round Rock, who are Pflugerville’s neighbors, are hit with a slightly lower insurance penalty if they receive a speeding ticket. Their rates increase by an average of $ 138.12, to $ 1,150.04. By the time Round Rock’s speeding ticket fines are factored in, drivers are on the hook for $ 616.36.

Because of their proximity – and similar exposure to Austin traffic – it makes sense that Pflugerville and Round Rock drivers have similar insurance increases after a speeding ticket. The community has a slightly higher rate of traffic fatalities – 8 in 2012 — than their neighbor, although the number of accidents is about a tenth that of Pflugerville.

4. Corpus Christi

Average insurance increase: 13.58%
15 mph ticket fine: $ 200.10
True cost: $ 609.93

Corpus Christi drivers pay the 4th-highest insurance penalties for tickets — an increase of about $ 136.61. Their overall insurance cost, even with a ticket, is still a relatively low $ 1,142.42. Without a ticket, residents pay an average of $ 1,005.81. With the increase and a ticket from Nueces County, drivers will pay about $ 609.93 for going 15 mph over the limit.

Although Corpus Christi is the eighth-largest city in Texas, and also one of the country’s busiest ports, a slightly larger percentage of residents than the state’s average live below the poverty line. The city was also responsible for 27 of the county’s 38 traffic deaths in 2012. On the other hand, the FBI reports that Corpus Christi had a lower number of motor vehicle thefts than some smaller Texas cities, like Garland and Lubbock.

5. Austin

Average insurance increase: 13.42%
15 mph ticket fine: $ 238
True cost: $ 670.15

Despite being Texas’ 4th-largest city, Austin drivers pay lower average premiums — both before and after a ticket — than residents of some smaller cities and towns. However, they still experience an average rate increase of $ 144.05 after a ticket, from $ 1,073.08 to $ 1,217.13, and an expensive ticket. Over 3 years, the total cost will be about $ 670.15.

Austin drivers with clean records pay a relatively low rate for insurance, which may explain the large increase. Although the city is notorious for its traffic congestion, it’s also safe for vehicle owners. Austin has about half the number of vehicle thefts compared with larger cities, like Dallas and San Antonio. But commuters also have a slightly-lower-than-average travel time to work, according to the census data. As well, a smaller number of residents live below the poverty line than in some of Texas’ other large cities — like Houston and Dallas — although the rate is still above the state average.

Which metro area has the largest insurance increase after speeding tickets?

Beaumont, Groves, Nederland, Port Arthur and Orange, which are all in the Beaumont-Port Arthur metro area, round out the top 10 cities with the biggest insurance increases. In Beaumont, speeding 15 mph over the limit will cost a driver $ 189 for the initial fine and $ 452.61 in insurance increases. As a result, a single speeding ticket will cost the average Beaumont driver $ 641.61.

What do Texans in large cities pay for speeding?

While some of Texas’ biggest population centers are represented in the most and least expensive cities, others – like Dallas, Fort Worth, Houston, San Antonio and El Paso – fall somewhere in the middle in terms of insurance increases. Their tickets, though, are pricey.

The Complete List:

Ranking	City	Annual Insurance Increase	Total Insurance Increase	% Increase	15 MPH Ticket Fine	True Cost
61	San Antonio	$ 142.16	$ 426.48	12.73%	$ 198.00	$ 624.48
70	El Paso	$ 129.17	$ 387.51	12.59%	$ 200.00	$ 587.51
107	Fort Worth	$ 124.06	$ 372.18	11.66%	$ 210.10	$ 582.28
119	Dallas	$ 126.64	$ 379.92	10.93%	$ 226.10	$ 606.02
122	Houston	$ 129.49	$ 388.47	10.76%	$ 245.00	$ 633.47

Methodology

To determine the average insurance premium increases, we retrieved quotes for 4 different driver profiles in Texas: 27-year-old single men and women and 40-year-old married men and women each driving a Toyota Camry and a Ford Escape. For each driver profile, we chose the city’s 2 cheapest car insurance quotes to mimic consumer behavior and to determine our overall average. We only surveyed cities that had populations over 15,000 residents. We collected ticket information by calling cities’ municipal courts and calculated the true cost of the speeding ticket by adding the cost of a speeding ticket to 3 years of car insurance increases. The estimated costs are for illustrative purposes only. The actual insurance increases you face will vary depending on your insurance carrier, your location and other factors.

Texas Highway via Shutterstock

Correct Cost of a Speeding Ticket in Texas soon after Insurance Increases

Ranking	City	Average Annual Premium	15 MPH Ticket Average	% Increase	Annual Insurance Increase	Total Insurance Increase
1	Lubbock	$ 1,069.56	$ 1,218.00	13.88%	$ 148.44	$ 445.32
2	Pflugerville	$ 1,083.69	$ 1,232.06	13.69%	$ 148.37	$ 445.11
3	Round Rock	$ 1,011.92	$ 1,150.04	13.65%	$ 138.12	$ 414.36
4	Corpus Christi	$ 1,005.81	$ 1,142.42	13.58%	$ 136.61	$ 409.83
5	Austin	$ 1,073.08	$ 1,217.13	13.42%	$ 144.05	$ 432.15
6	Beaumont	$ 1,126.19	$ 1,277.06	13.40%	$ 150.87	$ 452.61
7	Groves	$ 1,126.19	$ 1,277.06	13.40%	$ 150.87	$ 452.61
8	Nederland	$ 1,126.19	$ 1,277.06	13.40%	$ 150.87	$ 452.61
9	Port Arthur	$ 1,126.19	$ 1,277.06	13.40%	$ 150.87	$ 452.61
10	Orange	$ 1,171.31	$ 1,326.31	13.23%	$ 155.00	$ 465.00
11	Bryan	$ 935.31	$ 1,058.75	13.20%	$ 123.44	$ 370.32
12	College Station	$ 935.31	$ 1,058.75	13.20%	$ 123.44	$ 370.32
13	Kerrville	$ 972.19	$ 1,099.75	13.12%	$ 127.56	$ 382.68
14	Dickinson	$ 1,005.13	$ 1,136.06	13.03%	$ 130.93	$ 392.79
15	Friendswood	$ 1,005.13	$ 1,136.06	13.03%	$ 130.93	$ 392.79
16	Galveston	$ 1,005.13	$ 1,136.06	13.03%	$ 130.93	$ 392.79
17	League City	$ 1,005.13	$ 1,136.06	13.03%	$ 130.93	$ 392.79
18	Harlingen	$ 1,249.00	$ 1,411.25	12.99%	$ 162.25	$ 486.75
19	Weatherford	$ 1,041.31	$ 1,176.56	12.99%	$ 135.25	$ 405.75
20	Converse	$ 1,086.34	$ 1,226.94	12.94%	$ 140.60	$ 421.80
21	Universal City	$ 1,086.34	$ 1,226.94	12.94%	$ 140.60	$ 421.80
22	Burleson	$ 1,037.38	$ 1,171.63	12.94%	$ 134.25	$ 402.75
23	Cleburne	$ 1,037.38	$ 1,171.63	12.94%	$ 134.25	$ 402.75
24	Uvalde	$ 967.94	$ 1,093.19	12.94%	$ 125.25	$ 375.75
25	Tyler	$ 1,069.06	$ 1,207.38	12.94%	$ 138.32	$ 414.96
26	Lake Jackson	$ 1,060.06	$ 1,197.19	12.94%	$ 137.13	$ 411.39
27	Longview	$ 1,138.30	$ 1,285.38	12.92%	$ 147.08	$ 441.24
28	Sherman	$ 993.13	$ 1,121.44	12.92%	$ 128.31	$ 384.93
29	Alvin	$ 1,062.94	$ 1,200.25	12.92%	$ 137.31	$ 411.93
30	Angleton	$ 1,062.94	$ 1,200.25	12.92%	$ 137.31	$ 411.93
31	Marshall	$ 1,135.13	$ 1,281.63	12.91%	$ 146.50	$ 439.50
32	Abilene	$ 907.56	$ 1,024.44	12.88%	$ 116.88	$ 350.64
33	Pearland	$ 1,079.19	$ 1,218.06	12.87%	$ 138.87	$ 416.61
34	Kyle	$ 969.13	$ 1,093.81	12.87%	$ 124.68	$ 374.04
35	Seguin	$ 969.13	$ 1,093.81	12.87%	$ 124.68	$ 374.04
36	Waxahachie	$ 1,040.00	$ 1,173.75	12.86%	$ 133.75	$ 401.25
37	San Marcos	$ 980.00	$ 1,106.00	12.86%	$ 126.00	$ 378.00
38	Conroe	$ 1,107.10	$ 1,249.43	12.86%	$ 142.33	$ 426.99
39	Alice	$ 911.50	$ 1,028.63	12.85%	$ 117.13	$ 351.39
40	Kingsville	$ 911.50	$ 1,028.63	12.85%	$ 117.13	$ 351.39
41	Portland	$ 911.50	$ 1,028.63	12.85%	$ 117.13	$ 351.39
42	Midlothian	$ 1,049.75	$ 1,184.63	12.85%	$ 134.88	$ 404.64
43	Georgetown	$ 982.40	$ 1,108.54	12.84%	$ 126.14	$ 378.42
44	New Braunfels	$ 997.88	$ 1,125.88	12.83%	$ 128.00	$ 384.00
45	Cedar Park	$ 989.88	$ 1,116.75	12.82%	$ 126.87	$ 380.61
46	Cedar Park	$ 989.88	$ 1,116.75	12.82%	$ 126.87	$ 380.61
47	Taylor	$ 1,000.13	$ 1,128.25	12.81%	$ 128.12	$ 384.36
48	Lufkin	$ 1,068.75	$ 1,205.56	12.80%	$ 136.81	$ 410.43
49	Nacogdoches	$ 1,068.75	$ 1,205.56	12.80%	$ 136.81	$ 410.43
50	Laredo	$ 1,169.56	$ 1,319.19	12.79%	$ 149.63	$ 448.89
51	Cibolo	$ 1,013.44	$ 1,143.00	12.78%	$ 129.56	$ 388.68
52	Schertz	$ 1,013.44	$ 1,143.00	12.78%	$ 129.56	$ 388.68
53	Ennis	$ 1,064.38	$ 1,200.44	12.78%	$ 136.06	$ 408.18
54	Harker Heights	$ 930.19	$ 1,049.06	12.78%	$ 118.87	$ 356.61
55	Killeen	$ 930.14	$ 1,049.00	12.78%	$ 118.86	$ 356.58
56	Belton	$ 937.75	$ 1,057.44	12.76%	$ 119.69	$ 359.07
57	Temple	$ 937.69	$ 1,057.29	12.75%	$ 119.60	$ 358.80
58	Waco	$ 967.19	$ 1,090.51	12.75%	$ 123.32	$ 369.96
59	Huntsville	$ 1,038.19	$ 1,170.38	12.73%	$ 132.19	$ 396.57
60	Palestine	$ 1,038.19	$ 1,170.38	12.73%	$ 132.19	$ 396.57
61	San Antonio	$ 1,117.08	$ 1,259.24	12.73%	$ 142.16	$ 426.48
62	Odessa	$ 1,079.16	$ 1,216.02	12.68%	$ 136.86	$ 410.58
63	Bay City	$ 998.19	$ 1,124.69	12.67%	$ 126.50	$ 379.50
64	Victoria	$ 998.19	$ 1,124.69	12.67%	$ 126.50	$ 379.50
65	Del Rio	$ 892.25	$ 1,005.31	12.67%	$ 113.06	$ 339.18
66	Eagle Pass	$ 892.25	$ 1,005.31	12.67%	$ 113.06	$ 339.18
67	San Benito	$ 1,249.00	$ 1,407.25	12.67%	$ 158.25	$ 474.75
68	Mount Pleasant	$ 1,058.44	$ 1,192.38	12.65%	$ 133.94	$ 401.82
69	Texarkana	$ 1,053.56	$ 1,186.75	12.64%	$ 133.19	$ 399.57
70	El Paso	$ 1,026.16	$ 1,155.33	12.59%	$ 129.17	$ 387.51
71	San Angelo	$ 879.56	$ 990.06	12.56%	$ 110.50	$ 331.50
72	Wichita Falls	$ 942.78	$ 1,060.96	12.54%	$ 118.18	$ 354.54
73	Leander	$ 1,058.56	$ 1,191.22	12.53%	$ 132.66	$ 397.98
74	Brenham	$ 955.19	$ 1,074.88	12.53%	$ 119.69	$ 359.07
75	Baytown	$ 1,181.81	$ 1,329.71	12.51%	$ 147.90	$ 443.70
76	Big Spring	$ 950.88	$ 1,069.69	12.49%	$ 118.81	$ 356.43
77	Midland	$ 950.88	$ 1,069.69	12.49%	$ 118.81	$ 356.43
78	Pampa	$ 1,042.81	$ 1,170.75	12.27%	$ 127.94	$ 383.82
79	Hereford	$ 1,015.38	$ 1,139.50	12.22%	$ 124.12	$ 372.36
80	Plainview	$ 1,015.38	$ 1,139.50	12.22%	$ 124.12	$ 372.36
81	Greenville	$ 1,011.50	$ 1,133.94	12.10%	$ 122.44	$ 367.32
82	Alamo	$ 1,278.75	$ 1,433.41	12.09%	$ 154.66	$ 463.98
83	Donna	$ 1,278.75	$ 1,433.41	12.09%	$ 154.66	$ 463.98
84	Edinburg	$ 1,278.75	$ 1,433.41	12.09%	$ 154.66	$ 463.98
85	McAllen	$ 1,278.75	$ 1,433.41	12.09%	$ 154.66	$ 463.98
86	Mercedes	$ 1,278.75	$ 1,433.41	12.09%	$ 154.66	$ 463.98
87	Mission	$ 1,278.75	$ 1,433.41	12.09%	$ 154.66	$ 463.98
88	Pharr	$ 1,278.75	$ 1,433.41	12.09%	$ 154.66	$ 463.98
89	San Juan	$ 1,278.75	$ 1,433.41	12.09%	$ 154.66	$ 463.98
90	San Juan	$ 1,278.75	$ 1,433.41	12.09%	$ 154.66	$ 463.98
91	Weslaco	$ 1,278.75	$ 1,433.41	12.09%	$ 154.66	$ 463.98
92	Weslaco	$ 1,278.75	$ 1,433.41	12.09%	$ 154.66	$ 463.98
93	Copperas Cove	$ 969.44	$ 1,086.63	12.09%	$ 117.19	$ 351.57
94	Gatesville	$ 969.44	$ 1,086.63	12.09%	$ 117.19	$ 351.57
95	Brownwood	$ 970.19	$ 1,087.44	12.09%	$ 117.25	$ 351.75
96	Gainesville	$ 970.19	$ 1,087.44	12.09%	$ 117.25	$ 351.75
97	Mineral Wells	$ 970.19	$ 1,087.44	12.09%	$ 117.25	$ 351.75
98	Stephenville	$ 970.19	$ 1,087.44	12.09%	$ 117.25	$ 351.75
99	Paris	$ 969.94	$ 1,086.56	12.02%	$ 116.62	$ 349.86
100	Sulphur Springs	$ 969.94	$ 1,086.56	12.02%	$ 116.62	$ 349.86
101	La Porte	$ 1,164.78	$ 1,304.44	11.99%	$ 139.66	$ 418.98
102	Brownsville	$ 1,249.00	$ 1,398.53	11.97%	$ 149.53	$ 448.59
103	Deer Park	$ 1,176.91	$ 1,317.75	11.97%	$ 140.84	$ 422.52
104	Denton	$ 1,039.78	$ 1,163.24	11.87%	$ 123.46	$ 370.38
105	Amarillo	$ 1,185.56	$ 1,324.75	11.74%	$ 139.19	$ 417.57
106	Humble	$ 1,207.84	$ 1,349.27	11.71%	$ 141.43	$ 424.29
107	Fort Worth	$ 1,063.71	$ 1,187.77	11.66%	$ 124.06	$ 372.18
108	Keller	$ 1,036.31	$ 1,155.88	11.54%	$ 119.57	$ 358.71
109	North Richland Hills	$ 1,055.75	$ 1,177.31	11.51%	$ 121.56	$ 364.68
110	Arlington	$ 1,071.56	$ 1,194.33	11.46%	$ 122.77	$ 368.31
111	Haltom City	$ 1,066.69	$ 1,188.50	11.42%	$ 121.81	$ 365.43
112	South Houston	$ 1,169.59	$ 1,299.75	11.13%	$ 130.16	$ 390.48
113	Mesquite	$ 1,158.49	$ 1,287.33	11.12%	$ 128.84	$ 386.52
114	Balch Springs	$ 1,148.88	$ 1,276.38	11.10%	$ 127.50	$ 382.50
115	Mansfield	$ 1,032.31	$ 1,146.44	11.06%	$ 114.13	$ 342.39
116	Pasadena	$ 1,170.51	$ 1,299.75	11.04%	$ 129.24	$ 387.72
117	Wylie	$ 1,110.88	$ 1,232.31	10.93%	$ 121.43	$ 364.29
118	McKinney	$ 1,127.73	$ 1,250.98	10.93%	$ 123.25	$ 369.75
119	Dallas	$ 1,159.05	$ 1,285.69	10.93%	$ 126.64	$ 379.92
120	Bellaire	$ 1,182.78	$ 1,311.44	10.88%	$ 128.66	$ 385.98
121	Terrell	$ 1,154.19	$ 1,279.06	10.82%	$ 124.87	$ 374.61
122	Houston	$ 1,203.62	$ 1,333.11	10.76%	$ 129.49	$ 388.47
123	Lancaster	$ 1,170.13	$ 1,294.50	10.63%	$ 124.37	$ 373.11
124	Stafford	$ 1,199.25	$ 1,326.44	10.61%	$ 127.19	$ 381.57
125	Missouri City	$ 1,195.28	$ 1,319.88	10.42%	$ 124.60	$ 373.80
126	Colleyville	$ 1,015.75	$ 1,120.13	10.28%	$ 104.38	$ 313.14
127	Grapevine	$ 1,015.25	$ 1,119.44	10.26%	$ 104.19	$ 312.57
128	Southlake	$ 1,015.25	$ 1,119.44	10.26%	$ 104.19	$ 312.57
129	Corsicana	$ 990.06	$ 1,091.50	10.25%	$ 101.44	$ 304.32
130	Denison	$ 993.13	$ 1,094.81	10.24%	$ 101.68	$ 305.04
131	Sugar Land	$ 1,188.63	$ 1,309.71	10.19%	$ 121.08	$ 363.24
132	Euless	$ 1,035.97	$ 1,141.31	10.17%	$ 105.34	$ 316.02
133	Hurst	$ 1,023.44	$ 1,127.47	10.16%	$ 104.03	$ 312.09
134	Bedford	$ 1,016.31	$ 1,119.50	10.15%	$ 103.19	$ 309.57
135	Plano	$ 1,109.79	$ 1,221.59	10.07%	$ 111.80	$ 335.40
136	Little Elm	$ 1,084.75	$ 1,193.25	10.00%	$ 108.50	$ 325.50
137	Rowlett	$ 1,165.31	$ 1,281.66	9.98%	$ 116.35	$ 349.05
138	Lewisville	$ 1,071.35	$ 1,178.10	9.96%	$ 106.75	$ 320.25
139	Richardson	$ 1,155.06	$ 1,269.96	9.95%	$ 114.90	$ 344.70
140	Rosenberg	$ 1,167.44	$ 1,283.06	9.90%	$ 115.62	$ 346.86
141	Duncanville	$ 1,201.63	$ 1,320.00	9.85%	$ 118.37	$ 355.11
142	DeSoto	$ 1,200.44	$ 1,318.69	9.85%	$ 118.25	$ 354.75
143	Cedar Hill	$ 1,188.63	$ 1,305.50	9.83%	$ 116.87	$ 350.61
144	Irving	$ 1,141.15	$ 1,250.20	9.56%	$ 109.05	$ 327.15
145	Rockwall	$ 1,166.81	$ 1,277.81	9.51%	$ 111.00	$ 333.00
146	Allen	$ 1,110.88	$ 1,213.69	9.25%	$ 102.81	$ 308.43
147	Frisco	$ 1,120.48	$ 1,222.90	9.14%	$ 102.42	$ 307.26
148	Grand Prairie	$ 1,124.81	$ 1,225.42	8.94%	$ 100.61	$ 301.83
149	Carrollton	$ 1,111.65	$ 1,210.15	8.86%	$ 98.50	$ 295.50
150	Coppell	$ 1,106.38	$ 1,204.13	8.84%	$ 97.75	$ 293.25
151	The Colony	$ 1,084.75	$ 1,180.50	8.83%	$ 95.75	$ 287.25
152	Sachse	$ 1,179.88	$ 1,283.81	8.81%	$ 103.93	$ 311.79
153	Garland	$ 1,176.81	$ 1,280.39	8.80%	$ 103.58	$ 310.74
154	Flower Mound	$ 1,058.81	$ 1,151.44	8.75%	$ 92.63	$ 277.89
Average		$ 1,074.68	$ 1,202.24	11.91%	$ 127.56	$ 382.68