If you receive a speeding ticket your insurance company will assign points and use them to determine your premiums. These are different than the driver's license points assigned by your state's DMV.
Most carriers will not assign points for any speeding ticket that is over three years old since that is the length of time most states keep tickets on your driving record.
However I am seeing some companies starting to ask for five or seven year records. It varies depending on each company's policy so you need to shop around when you renew. Your existing company may not check your record every year.
If you drive a company vehicle and receive two or three tickets you can expect that the insurance company will exclude you from the company policy.
In the current marketplace any ticket is likely to increase your premiums by as much as 25%. Some carriers will overlook one under 10mph ticket but receive more than one or a serious violation and you will pay dearly for it.
lwpat
My carrier in California increased my rate almost 40% due to a redlight camera ticket (rolling right turn)
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