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New study shows true cost of getting a speeding ticket

A new online study shows that after factoring in the costs of increased insurance premiums, the true cost of getting a speeding ticket in Virginia comes out to nearly 2.4 times more than the cost of the actual ticket.

The study also lists—perhaps not surprisingly—several Northern Virginia locales as the most expensive areas in the state to be cited with a speeding ticket.

According to the study by consumer finance site NerdWallet.com, the average commute in Virginia takes 27.9 minutes, which is the sixth longest commute in the nation. With longer commutes come more opportunities to get a speeding ticket.

According to the Fairfax County General District Court website, drivers who get caught speeding in Virginia must pay a fine that includes $6 for each mile over the speed limit, plus court costs of $62 for a traffic violation, which results in a total fine of $152 for driving 15 miles per hour over a posted speed limit.

But the cost of speeding does not end with the fine.

According to the Nerdwallet.com study, once convicted of speeding, Virginia drivers’ insurance costs normally increase by an average of $64.95 per year for the next three years.

“The true cost of a speeding ticket in Virginia averages 2.38 times the cost of the actual ticket,” the study states.

Using this formula, Virginia drivers pay a state average of $361.76 in total for a $152 speeding ticket.

The study claims that generally, the insurance premium percentage increase Virginians face after a speeding ticket is consistent across the state—they pay about 7 percent more for the next three years.

The disparity among Virginia municipalities in terms of dollar increases can be primarily attributed to the different insurance rates drivers pay from city to city.

Falls Church drivers, for example, pay some of the highest insurance premiums in the state.

The study says that it should come as no surprise that its proximity to D.C. raises Falls Church drivers’ insurance rates--both before and after a ticket—primarily because of traffic.

According to the Texas A&M Transportation Institute, D.C. has the worst traffic congestion in the country, with its residents spending more time in traffic than those in New York, San Francisco and even Los Angeles. Those in Falls Church pay the price for being within commuting distance of the nation’s capital.

Taking this into consideration, according to the study the true cost of a $152 speeding ticket in Falls Church comes out to $366.26, the sixth highest figure in Virginia. “As a Washington, D.C. suburb, their average annual insurance increase is $71.42, or a total of $214.26 over three years,” the study states.

Just west of Falls Church, City of Fairfax drivers face a slightly lower insurance increase after a speeding ticket. However, its rates are very similar to Falls Church overall.

“Before a ticket, drivers can expect to pay an average of $950.90 in annual premiums. After, they’ll be charged around $1,021.55, or $70.65 more,” the study states.

Fairfax is listed as number 7 on the study’s list of Virginia cities where it is most expensive to get a ticket.

According to the study, like many of Northern Virginia’s suburbs, Fairfax residents are likely to be wealthier than the state average. The community’s median income is almost twice that of the state average, and the unemployment rate is only 4.1 percent. Still, because of their proximity to D.C., drivers in Fairfax will pay much more in terms of insurance premiums than they might in a well-to-do town in another part of the Commonwealth. For more information about the study, go to http://www.nerdwallet.com.

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My problem with the police in Loudoun is they sit off a road that is 25 or 35 mph, in places where it could be 40mph(just look around Redskin park and Loudoun county parkway). Hardly any homes, wide open… Meanwhile, I pass 100s of cars with expired stickers, kids sitting in front seat or out of infant seat, people texting and/or using cell phones. I passed a car on 7 that had two moms holding infants/small kids, not using seat belts. Another young tean driving with her head down texting on 7…..

I hardly consider the 7 freeway west of Ashburn Village “down stream toward DC” yet it gets backed up every morning going east well past Belmont Ridge Rd (basically off the 15 freeway).

Regarding your comment about “50 outside of 28 is not a major problem” try telling that to the people living in South Riding and Aldie going east every morning.

50 outside of 28 is not the major problem, its where it goes back down to 3 then 2 lanes up to 66 that is the issue.

Except the problems on 7 and 50 are further down stream towards DC. 7 is the only one with a current plan to widen to Tyson’s and maybe get over passes. 50 from 66-28 needs to widen and cannot without taking out homes. Even then that cannot handle the 300,000 people we are predicted to grow in the next couple of decades.

Public transportation not only helps move people that way and cut down congestion it helps move jobs out to us. Major tech offices are planned for the town centers slated to open around the metro stops meaning many of my neighbors could work local instead of going to Fairfax or DC.

I’m sorry but the article speaks about the costs of getting speeding tickets. What does any of these comments have to do with the topic of the article? Nobody cares what your time vs. mileage to get to and from work is.

The 50 freeway is being widened as we speak where it meets the 28 freeway. In Chantilly near all those car dealerships.

The 7 freeway is being widened as we speak where it meets the 193 freeway.

The 50 freeway and the 7 freeway run both east and west.

Again, your theory makes no sense. Try again.

Why are there so many tickets in the first place?  Police spend most of their time, and my tax dollars, to targeting motorists.  They have to get their return.  Quotas, quotas, quotas…..

Cut the excessive growth of government and you’ll reduce housing, needs for roads and useless public transportation

Riverside Pkwy, Fort Evans, nor Belmont Ridge will help with the issues of traveling towards work for people.

Belmont Ridge is for a new North South connector not West to East.

Lots of roads need widening locally that has nothing to do with 50, 7, or 267.

That is why they are widening Riverside Pkwy and Fort Evans around River Creek Pkwy. They are also planning on widening Belmont Ridge Rd to 4 lanes. So your theory makes no sense.

50% of Loudoun residents work outside the county. FFX and Montgomery counties got it right and most employers choose those counties to re-locate. 

FBI did not even consider Loudoun as a proposed site and rightfully so due to virtually no public transportation, and high cost of living. PG county deserves it the most to give them a boost in their local economy.

You cannot widen most of the roads at this point. The only option if to build better public transportation which most other nations and many cities figured out long ago. 70 cars is equal to one bus. As to not building more homes keep dreaming, already enough homes are approved to double our population in the next 15-20 years.

Much of the growth is near the two Loudoun stations which is why id got so much support from the public in polls. They will server Broadlands, Brambleton, and Stone ridge well as that area continues to build up.

Anyway my commute is about 20 minutes most days, thank god, despite how terrible drivers on 28 up to Waxpool.

“According to the study by consumer finance site NerdWallet.com, the average commute in Virginia takes 27.9 minutes, which is the sixth longest commute in the nation”

Assuming this is for a one way commute I would be very happy if I had a 27.9 minute drive to work. It is about double that one way for me.

We need to build more roads, and widen the ones we have, and stop building homes/apartments.

Metro is not a solution. Most of us live too far from even the proposed Ashburn stations. I live in Lansdowne, and it will be at least a 20 minute drive.  I will continue to drive, it will be hard to get me out of my car.

I think that depends on your age and record. My insurance did not go up when I got a speeding ticket 5 years ago. However as a teen it was killer when I got one.

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