A:  The change on your insurance premium completely depends on several things: The severity of the ticket or the number of points on your license, the amount of damage from the accident, what carrier you are with, and more.  Since all carriers have different rating factors, there is no clear cut answer.  Also, speeding 10 miles an hour over the limit and speeding 10 miles an hour over the limit in a school zone will have two different effects.   There is good news….As independent agents we have carriers who tailor their services to individuals with a clean record and those who have a not-so-clean record.