Speeding creates dangerous road conditions, putting many lives at risk. In 2020, Oregon reported 38,141 vehicle collisions, with driving too fast for road conditions listed as the fourth most common type of driver error. If you’re caught for speeding, it’s not just steep fines and penalties you might face — your car insurance could also be impacted for years.
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RATE INCREASE ALERT
Rates increased up to 12% this year.
Costs will continue to rise through 2022. Shop for a better rate before you renew your current policy.
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In Oregon, the average cost of car insurance increased by 25% after a speeding ticket, according to Bankrate’s 2022 study of quoted annual premiums from Quadrant Information Services. Learn more about how a speeding ticket impacts your insurance, and what you can do about it.
How much is a speeding ticket in Oregon?
A speeding ticket in Oregon can end up being an expensive violation. Oregon classifies speeding tickets based on how much over the speed limit you were ticketed, which also determines the fine. It is broken down into classes of fines including:
- One to ten miles per hour over (mph) the limit is a class D traffic violation and a fine of $115
- 11 to 20 mph over is a Class C traffic violation and a fine of $165
- 21 to 30 mph over is a Class B traffic violation and a fine of $265
- Over 30 mph over is a Class A traffic violation and a fine of $440. A license suspension of up to 30 days is also possible if the driver has another speeding violation in the past 12 months
- 100 mph or more over the limit is a specific traffic violation of reckless driving and could have a fine of $1,150, plus a mandatory 90-day license suspension
Fines may be nearly double if they occur in a construction or a school zone. In addition to fines, there could be other fees tacked on to the total.
How much does a speeding ticket increase your car insurance in Oregon?
A speeding ticket will likely cause a substantial increase in premiums. The average cost of car insurance in Oregon is $1,371 per year for full coverage with a clean driving record. In the examples below, the increase is about 25 percent for both male and female drivers. Typically, female drivers pay less for premiums versus male drivers.
| Age | Average annual full coverage premium before speeding ticket | Average annual full coverage premium after speeding ticket | % increase |
|---|---|---|---|
| 40-year-old male | $1,364 | $1,707 | 25% |
| 40-year-old female | $1,379 | $1,723 | 25% |
How to lower your car insurance after a speeding ticket in Oregon
While an increase in premiums after a speeding ticket in Oregon is expected, it does not mean you no longer have access to savings. Fortunately, there are numerous methods to save on premiums, especially if you are willing to do extra homework.
Get quotes from other car insurance companies
One of the best strategies to save money is to shop around and compare quotes from multiple carriers. This will tell you which carrier provides the best rates based on your exact parameters. The chart below shows the wide range of rates among some of the different carriers in the state, and how much a speeding ticket impacts the premiums.
| Car insurance company | Average annual full coverage premium before speeding ticket | Average annual full coverage premium after speeding ticket | % increase |
|---|---|---|---|
| Allstate | $2,072 | $2,487 | 20% |
| American Family | $1,239 | $1,794 | 45% |
| California Casualty | $1,387 | $2,290 | 65% |
| Capital | $1,144 | $1,356 | 19% |
| Country Financial | $1,382 | $1,819 | 32% |
| Farmers | $1,383 | $1,732 | 25% |
| Geico | $1,201 | $1,396 | 16% |
| Nationwide | $1,407 | $1,670 | 19% |
| Progressive | $1,447 | $1,912 | 32% |
| State Farm | $953 | $1,082 | 14% |
| USAA | $1,062 | $1,355 | 28% |
*Premiums are average annual full coverage premiums for 40-year-olds
Cost is a big factor in choosing a new carrier, but there are other aspects to consider. Researching the customer service ratings, financial strength reports and coverage options are other points to note as you are making a decision.
Modify coverage selections
Whether you stay with your current carrier or make the switch, modifying coverage selections is another way to save. You may be able to reduce deductibles with comprehensive and collision coverage, which may lower the amount of premiums. After reviewing your coverage, you may realize there are options on there you no longer need, such as gap insurance or roadside assistance.
Review all available discounts
Discounts are another easy way to save, and most carriers offer quite a few for policyholders. Most offer potential savings for bundling policies, adding multiple vehicles and maintaining good grades. However some carriers offer options you may not realize you may qualify for, such as a new car discount or a green vehicle discount.
Other speeding ticket considerations
Unlike most other states, Oregon does not use a point system for traffic violations. However, this does not mean there are not serious consequences for multiple speeding violations. If you receive three moving violations, including speeding, within 18 months, it could result in a license suspension for 30 days. If you receive any further violations during this period, you may receive another 30 day suspension.
Frequently asked questions
To find the best insurance company, including for drivers with speeding tickets, be sure to compare quotes from multiple providers. Not only does this give you a snapshot of the lowest rates for you, it also shows which carrier has the coverage options you want.
No, you are under no obligation to report a speeding ticket to your carrier. However, the carrier will most likely find out during the next review period. These typically take place when it is time for your policy renewal.
Insurance carriers calculate risk for every driver, and this also influences the cost of your premiums. If you have a ticket on record, the carrier assumes you are a riskier driver. You may still be able to find ways to save on insurance though, such as with discounts and comparison shopping quotes.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 18-year-old and 40-year-old male and female drivers with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: single speeding ticket. These are sample rates and should only be used for comparative purposes.
FAQs
How long do speeding tickets stay on your record in Oregon? ›
The certified court print driving record includes most traffic violations and accident entries for at least the previous five years. Serious criminal traffic offenses, such as driving under the influence of intoxicants, may remain on the record permanently.
How do I get a speeding ticket off my record in Oregon? ›- Contact your court to request permission to enroll in traffic school for ticket dismissal. ...
- Enroll in and complete I Drive Safely's Oregon traffic school. ...
- Submit your certificate of completion to your court. ...
- Check your driving record.
Unlike most other states, Oregon does not use a point system for traffic violations. However, this does not mean there are not serious consequences for multiple speeding violations. If you receive three moving violations, including speeding, within 18 months, it could result in a license suspension for 30 days.
Do photo radar tickets affect insurance in Oregon? ›Depending on your insurer and driving history, a single red light camera ticket in Oregon might raise your insurance costs by 5% to 15%. Some states have prohibited insurers from using red-light cameras and speeding camera tickets. Speeding and red light cameras are divisive issues.
Does a camera speeding ticket go on your record in Oregon? ›Non-moving violations — parking tickets, for example — don't go on your driving record. Neither do camera citations. If your state — California, Oregon and Arizona — treats photo tickets as moving violations, though, they might go on your driving record.
How do I clean my driving record in Oregon? ›- 3-5 years without any points assigned to your license.
- 3-5 years without any accidents.
- 10+ years without any major violations such as DUIs or hit-and-runs.
- 7 years without filing any insurance claims (not always included in the definition of a clean record)
For each violation or preventable accident after three, DMV will suspend your license or your right to apply for a license for six months, even if you have a previous or current Driver Improvement Program suspension.
Can I go to traffic school for a speeding ticket in Oregon? ›With permission from most Oregon district courts, drivers can opt to dismiss a traffic ticket by completing an Oregon Court Approved Traffic School Course.
Do you have to appear in court for a speeding ticket Oregon? ›Failure to Appear
If you fail to follow the instructions on the summons THE COURT MAY ISSUE A WARRANT FOR YOUR ARREST and/or may suspend your license if you fail to appear on a citation for a traffic offense. THE COURT MAY SEND YOU A NOTICE AND REQUIRE YOU TO APPEAR AT THE COURT FOR A HEARING.
Penalty for reckless driving in Oregon
Driving 30 mph over the speed limit is automatically considered reckless driving.
Can you defer a speeding ticket in Oregon? ›
A traffic ticket deferral can only be done once every seven years for a moving or non-moving violation.
Can you go 5 over the speed limit in Oregon? ›One to 10 miles per hour in excess of the speed limit is a Class D traffic violation.
How do you get out of a photo radar ticket in Oregon? ›Oregon Law authorizes the citation issued to your business or public agency to be dismissed if you complete the Affidavit of Non-Liability identifying the driver.
How long do points stay on your license in Oregon? ›Oregon does not use a license-points system to track driving offenses. Even though Oregon does not use points, each violation will be added to your Oregon driving record, and most violations will remain on your record for 5 years.
How do you get a red light camera ticket dismissed in Oregon? ›If you want to fight a red light camera ticket: You will need to plead “not guilty” to the violation and request a contested hearing. To do so, fill out and submit the certificate of innocence form according to the instructions.
How much is a camera speeding ticket in Oregon? ›Penalties are the same as a speeding violation initiated by any other means. The typical speeding citation in Oregon is a Class C violation (11 to 20 mph in excess of the speed limit) resulting in a $170 fine.
Do I have to identify the driver on a photo radar ticket Oregon? ›Some are imposed for running traffic lights while others are imposed for driving in excess of the speed limit. Each state has its own laws regarding traffic violations and the use of photo radars. The problem with a photo radar, is it does not identify the driver, so many drivers innocently receive a violation.
Are speed cameras legal in Oregon? ›Oregon law allows RLR cameras to also detect and issue speeding violations for motorists violating speeds by 11 mph or greater. Cities may not issue a speeding violation concurrently with a red light running violation, unless the motorist was exceeding the posted speed by more than 20 mph.
Can you expunge your driving record in Oregon? ›No. Currently, traffic offenses, including charges of DUII, reckless driving, failure to perform duties of a driver, speeding, etc. cannot be expunged under Oregon law.
What does a clean driving record mean in Oregon? ›A clean driving record is defined as a motor vehicle record (MVR) with no violations, at-fault accidents, or traffic-related convictions for a set amount of time.
Are driving records public in Oregon? ›
DMV is required by Oregon law to maintain vehicle and driver records. These records are public records and are available by making a request and paying a fee.
Can you take a class to remove a speeding ticket in Oregon? ›The Traffic School Diversion Program is a Traffic Course that may, if eligible, result in the dismissal of minor traffic violations in lieu of a conviction on your record – court approval must be obtained.
What happens if you get 4 speeding tickets in Oregon? ›In addition, your driver's license will be suspended for 30 days if you have 4 traffic convictions, 4 traffic accidents or a combination of 4 of the two within a two year period.
How much is a traffic ticket in Oregon? ›Oregon Violations and Traffic Ticket Fines 2021
The Class A violation presumptive fine is $440.00. The minimum fine is $225.00 and the maximum fine for an individual is $2,000.00. For a Class B violation, the presumptive fine is $265.00. The minimum fine is $135.00 and the maximum fine for an individual is $1,000.00.
The Basic Rule Law
The basic rule does not allow you to drive over the speed limit. If you drive at a speed that is unsafe for existing conditions in any area, at any time, even if it is slower than the speed limit, you are violating the basic rule.
In Oregon, a law enforcement officer may ticket a driver without pulling them over, as long as the officer has a reasonable suspicion that the driver has committed a traffic violation. This law is known as the “Reasonable Suspicion” law.
How much is a speeding ticket in school zone Oregon? ›Presumptive Fine - $165. Presumptive Fine (Construction or School Zone) - $325.
What if I miss my court date for a traffic ticket in Oregon? ›Failure to Appear
If you fail to follow the instructions on the summons THE COURT MAY ISSUE A WARRANT FOR YOUR ARREST and/or may suspend your license if you fail to appear on a citation for a traffic offense. THE COURT MAY SEND YOU A NOTICE AND REQUIRE YOU TO APPEAR AT THE COURT FOR A HEARING.
(1) Violation of a specific speed limit imposed under law or of a posted speed limit is punishable as follows: (a) One to 10 miles per hour in excess of the speed limit is a Class D traffic violation.
How far over the speed limit is a felony in Oregon? ›100 miles per hour or more in excess of the limit.
How do you get out of a ticket? ›
Contesting a traffic ticket usually requires the added time and effort of appearing in court. Sometimes, you can get off with a warning from the officer. Otherwise, your only option for getting out of a ticket is to challenge the citation in court.
What state has no speed limit? ›No highway speed limits? For some Nevada and Montana motorists with long memories, that's what made their states special.
What is the fastest speed limit in Oregon? ›| State | Rural interstates (mph) | Urban interstates (mph) |
|---|---|---|
| Oregon | 65; 70 on specified segments of road trucks: 55; 65 on specified segments of road | 55 |
| Pennsylvania | 70 | 70 |
| Rhode Island | 65 | 55 |
| South Carolina | 70 | 70 |
The highest speed limit in the country is 85 mph (137 km/h), which is posted on a single stretch of tollway in exurban areas outside Austin, Texas. The lowest maximum speed limit in the country is 30 miles per hour (48 km/h) in American Samoa.
Are speed traps legal in Oregon? ›Lawmakers approve bill to allow speed cameras in all Oregon cities - oregonlive.com.
What happens when you get flashed? ›What happens if I get flashed by a speed camera? If you get flashed by a speed camera, it means your vehicle's speed has been recorded. The authorities will review the footage and determine if a speeding ticket will be issued.
How long does it take to get a photo radar ticket in the mail in Oregon? ›The citation is mailed to the registered owner of the vehicle within six business days of the alleged violation.
How many points means you lose your license? ›When 12 points are 'totted up' within three years, a driving ban is automatically given for six months and you will be known as a 'totter. ' However, there are ways to reduce your number of points and save your licence.
How long does a DUI stay on your record in Oregon? ›Keep in mind that a DUI will stay on your driving record for longer than it affects your insurance. In Oregon specifically, a DUI conviction will remain on your driving record for 55 years.
How do I find out if I have a ticket in Oregon? ›If you've misplaced your OR traffic ticket, contact the appropriate district court for information. You may need to provide some personal information, such as your: Oregon driver's license number. License plate number.
How do I remove a speeding ticket from my record in Oregon? ›
- Contact your court to request permission to enroll in traffic school for ticket dismissal. ...
- Enroll in and complete I Drive Safely's Oregon traffic school. ...
- Submit your certificate of completion to your court. ...
- Check your driving record.
The Oregon vehicle code makes it illegal to enter an intersection on a yellow light; instead, everyone has to stop. The only exception is when there is not enough time and distance to stop safely.
Can you expunge a driving record in Oregon? ›No. Currently, traffic offenses, including charges of DUII, reckless driving, failure to perform duties of a driver, speeding, etc. cannot be expunged under Oregon law.
How many speeding tickets can you get in Oregon before suspension? ›For each violation or preventable accident after three, DMV will suspend your license or your right to apply for a license for six months, even if you have a previous or current Driver Improvement Program suspension.
What happens if you don't pay a speeding ticket in Oregon? ›If you are unable to pay in full within 30 days, or have not set up a payment plan, you will accrue additional fees added to your court debt. You also face the possibility of having your driver's license sanctioned or having your court debt sent to a collection agency.
How much over the speed limit is a felony in Oregon? ›100 miles per hour or more in excess of the limit.
What charges Cannot be expunged in Oregon? ›In Oregon, Class A felonies generally cannot be expunged due to the severity of the crimes, with marijuana cases being one exception. Traffic offenses, B-level violent felonies, and most crimes of a sexual nature are also ineligible. Relief from registration, however, may be an option in those cases.
What is an acceptable driving record in Oregon? ›Requirements of a Good Driving Record
No more than one (1) type “A,B or C” conviction during the past twelve (12) months and no more than two (2) type “A,B or C” convictions during the past thirty-six (36) months. No more than one (1) completed “Diversion Agreement” during the past one hundred twenty (120) months.
Your record is eligible to be expunged if: Your conviction, dismissed charge, or record of arrest is for a Class B or C Felony, a Class A, B, or C Misdemeanor, or a violation, but is not one of the ineligible conviction types. (See PDF of ineligible conviction types.)
Is it worth fighting a speeding ticket Oregon? ›If you get too many speeding tickets over time, the state can decide to suspend your driving privileges. For this reason, we recommend you consider fighting your Oregon speeding ticket.
Can you make payments on a speeding ticket in Oregon? ›
Payment Arrangements
You may pay by phone or online with a credit or debit card. The court accepts cash, check, money order, Visa, Discover or MasterCard. If you are unable to pay the full amount contact the court accounting office immediately to set up payment arrangements.
Penalty for reckless driving in Oregon
Driving 30 mph over the speed limit is automatically considered reckless driving.