The Hidden Costs of Speeding Tickets in North Carolina: Fines, Insurance, and More
Ask any Guilford county traffic lawyer and you’ll hear the same warning: the figure printed on a speeding citation is only the down-payment on a much larger bill. Before any numbers harden into a conviction, call the Law Office of Tony Huynh, PLLC at (336) 355-7023. A quick consultation often costs less than a year of premium hikes, and we can appear for you—so you don’t lose a day’s pay.
Insurance Premiums
A single moving violation also triggers insurance points under North Carolina’s Safe Driver Incentive Plan. One point raises your premium 40 percent; four points push it up 90 percent, and the worst speeding offenses can spike rates 260 percent for three years—soon to be five years for 4-point convictions dated July 1, 2025, and later. That can mean thousands of dollars on a typical policy.
License Points and Suspension Risk
Speeding more than 55 mph usually carries three driver-license points. Rack up 12 points in three years and the DMV may suspend you for 60 days; two convictions of speeding over 55 mph in twelve months can also trigger a suspension even if your point total is lower. Losing driving privileges means rideshares, lost shifts, and reinstatement fees. Our guide breaks down how even a single High Point speeding ticket can push you uncomfortably close to that threshold.
Additional Effects You Might Not Expect
Beyond fines, fees, and premiums, a conviction often requires defensive-driving courses, time off work for court, and, for commercial drivers, jeopardizes a livelihood. Some employers and landlords run motor-vehicle reports; a blemish can undercut a promotion or apartment application. Military personnel and out-of-state students risk disciplinary action when points follow them home. For repeat offenders, ignition-interlock requirements and probation supervision fees multiply the damage.
Stop the Snowball—Call our High Point Traffic Attorney Now
Every week we help drivers across Guilford and the Triad halt spiraling costs before they start; let the Law Office of Tony Huynh, PLLC do the same for you. Whether you hold a Guilford county speeding ticket or a commuter citation elsewhere, reach out for a no-obligation review, and we’ll outline the most affordable path forward—often without you ever setting foot in a courtroom. Call (336) 355-7023 or contact us today to keep your record clean and your premiums low.