Speeding 31+ Over in California: What It Means for Your Insurance

California Vehicle Code 22348(b) classifies speeding 31+ mph over the limit as a misdemeanor, not an infraction. The DMV assigns 2 points to your driving record, which remain visible for three years from the conviction date. If you accumulate 4 points in 12 months, 6 points in 24 months, or 8 points in 36 months, the DMV initiates a negligent operator treatment system (NOTS) action that can suspend your license. Unlike standard speeding tickets, this violation requires a mandatory court appearance. You cannot pay online or by mail. The court may impose fines ranging from $500 to $2,500, plus penalty assessments that often triple the base fine. Some counties offer traffic school to mask the point from insurance carriers, but only if the judge approves it and only if you have not attended traffic school in the past 18 months. The suspension risk is immediate if you were already carrying points. A driver with 2 existing points who receives this conviction crosses the 4-point threshold and faces a 6-month suspension. The DMV mails a notice of pending action within 30 days of the conviction posting to your record, giving you 10 days to request a hearing.

Your current carrier will learn about the conviction at your next policy renewal, typically when they pull an updated motor vehicle report (MVR). California law requires the DMV to report all convictions to insurers who request them. Most carriers check MVRs every 6 to 12 months, meaning you may not see a rate change until your next renewal date. When the conviction appears, expect a premium increase of 40% to 90% over your current rate, depending on your age, the rest of your driving record, and your carrier's underwriting guidelines. Drivers under 25 and those with prior violations see increases at the higher end of that range. State Farm, Allstate, and Farmers typically raise rates 50–70% for a single 2-point speeding violation. GEICO and Progressive may non-renew the policy outright rather than offer a renewal at the higher rate. Non-renewal is the more common outcome for misdemeanor traffic violations. Your carrier will mail a notice 30 to 60 days before your renewal date stating they will not renew your policy. This is not a cancellation. Your coverage continues until the renewal date, giving you a specific window to secure replacement coverage before a gap appears on your record. A coverage gap after a misdemeanor violation makes you uninsurable with most standard carriers for at least three years.

Non-standard auto insurance refers to coverage offered by carriers that specialize in high-risk drivers. These companies write policies for drivers with misdemeanor violations, DUIs, license suspensions, or multiple points on their record. The coverage itself is identical to standard liability, collision, and comprehensive insurance. What differs is the carrier's willingness to accept your application and the premium they charge. Carriers that write non-standard policies in California include Progressive, Dairyland, The General, Bristol West, National General, Acceptance Insurance, and SafeAuto. Rates from these carriers typically run $180 to $320 per month for minimum liability coverage after a misdemeanor speeding conviction, compared to $85 to $140 per month for a driver with a clean record. Estimates based on available industry data; individual rates vary by age, location, vehicle, and full driving history. You will need non-standard coverage if your current carrier non-renews you, if you are declined by two or more standard carriers, or if quoted rates from standard carriers exceed what non-standard specialists offer. Most drivers with a 31+ mph speeding conviction remain in the non-standard market for three years, the point at which the conviction drops off the insurance lookback period.

If the misdemeanor conviction pushes you over the NOTS point threshold, the DMV will suspend your license for 6 months. You can request a hearing within 10 days of receiving the suspension notice. At the hearing, you can argue that the suspension creates an undue hardship or present evidence that mitigates your driving record. The DMV grants fewer than 30% of hardship appeals. During a suspension, you cannot legally drive in California unless the DMV grants you a restricted license. A restricted license allows you to drive to and from work, school, or court-ordered programs. To qualify, you must enroll in a state-approved traffic violator school and file proof of financial responsibility with the DMV. Proof of financial responsibility means your insurer must file an SR-22 certificate with the DMV, verifying you carry at least California's minimum liability limits: 15/30/5. SR-22 is not a type of insurance. It is a certificate your insurer files with the state, proving you carry the required minimum coverage. Not all insurance companies offer SR-22 filing. Most standard carriers decline to file SR-22 for drivers with misdemeanor violations, which means you will need a non-standard carrier that provides both the policy and the filing. The SR-22 filing fee is typically $15 to $50, added to your premium and paid to the carrier for submitting the form to the DMV. California requires continuous SR-22 filing for 3 years from the date the DMV notifies you of the requirement.

Insurance carriers in California use a 3-year lookback period for most moving violations, including misdemeanor speeding. The conviction remains on your MVR for 3 years from the conviction date, not the citation date. During those three years, you will pay elevated premiums with any carrier that writes your policy. The rate increase does not disappear immediately at the 3-year mark. Most carriers re-evaluate your rate at each renewal. If your conviction drops off your MVR between renewal dates, you will not see the rate reduction until the next renewal after it falls off. Some carriers offer accident forgiveness or violation forgiveness programs that reduce or eliminate the surcharge after the first year if you maintain a clean record, but these programs rarely apply to misdemeanor violations. Drivers who maintain continuous coverage and avoid additional violations for three years typically qualify to return to standard carriers and see rates drop 50–70% from their non-standard premium. The path back to standard rates requires no lapses in coverage, no additional violations, and no missed premium payments during the three-year period.

1. Confirm your court date and appear in person. Misdemeanor speeding charges require a mandatory court appearance. If you miss the court date, the judge will issue a bench warrant and the DMV will suspend your license immediately. Attend the hearing and ask the judge if you qualify for traffic school to mask the point from insurers. You have one court date — missing it forfeits all options. 2. Request your current MVR from the DMV within 10 days of your conviction. The DMV posts convictions to your record 7 to 14 days after the court reports them. Order your MVR online at dmv.ca.gov to confirm the conviction posted, verify your current point total, and determine if you are at risk of a NOTS suspension. If you are within 2 points of the suspension threshold, you have 30 days from the conviction date to request a DMV hearing before the suspension takes effect. 3. Contact your current insurer and ask if they will renew your policy at the next renewal date. Do not wait for the renewal notice. Call your agent or carrier directly, disclose the conviction, and ask for a written statement on whether they will non-renew you and what your new premium will be. If they will non-renew you, you have until your renewal date to secure replacement coverage. If you wait until after the renewal date, a coverage gap appears on your record and disqualifies you from most non-standard carriers for 6 to 12 months. 4. Compare quotes from non-standard carriers immediately if your current carrier will not renew you. Contact Progressive, Dairyland, The General, Bristol West, and National General for quotes. Provide your full driving record, including the misdemeanor conviction and point total. Non-standard carriers require 7 to 14 days to underwrite and issue a policy, so begin the process at least 30 days before your current policy expires. If a coverage gap occurs, your rates will double and most carriers will decline your application outright. 5. If the DMV suspends your license, enroll in traffic violator school and secure SR-22 filing within 10 days of the suspension notice. The DMV will not issue a restricted license until you provide proof of enrollment and proof of SR-22 filing. Your non-standard carrier can file the SR-22 the same day you bind your policy. The filing takes 3 to 5 business days to appear in the DMV system. If you drive during the suspension without a restricted license, you face a second misdemeanor charge, up to 6 months in jail, and a vehicle impound.