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What Is A Safe Speed to Drive Your Car?

  • Auto Insurance
  • Xavier Sabastian
  • 5 minutes

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Have you ever wondered what the safe speed to drive your car is? We’re here to explain what it means to drive at a safe speed, so don’t be concerned.

We are not here to pass any judgment. Any driver can have a bad day at the office. You might have pressed down the pedal while dancing in your head to the tunes of Kesha’s ‘Die Young’ or Lady Gaga’s ‘Just Dance.’

Die Young GIF by Kesha

Traffic cops and insurance companies might not turn a kind eye to your this genuine mistake. If you’ve committed the cardinal sin of speeding, you must shop around and compare prices from several insurance providers on Way.com to find the best auto insurance rates.

What is the safe speed to drive your car?

When there is no posted speed restriction on the highway, 55 mph is a reasonable speed to travel. However, 65 mph is the maximum speed allowed in several states. Excessive speeding raises accident risks and might result in a 30% rise in insurance costs. 

Insurance companies and state agencies frequently advise drivers to maintain safe speeds. What does that signify, though? 

Our article outlines acceptable speed ranges and how auto insurance handles citations for exceeding the speed limit. We’ll also demonstrate why careful driving offers the best car insurance discounts. Continue reading to discover more about the optimum pace for driving. 

If you’re prepared to compare several insurance providers in your neighborhood, utilize our free quotation tool here.

Safe Speed to Drive your Car

When there is no stated speed restriction on the interstate, 55 mph is the safest driving speed on a rural highway. However, a safe speed on residential roads is between 10 and 25 mph.

The fastest speed to drive is the posted speed limit. However, the posted speed restriction might be changed to reflect particular circumstances.

Let’s look at a few instances of limiting speed restrictions:

  • 25 mph – Residential areas and around schools
  • 55 mph – Rural routes 
  • 70 mph – on rural interstate routes

The Federal Highway Administration (FHWA) notes that these speed limits correspond to the statutory speed limits in the majority of states. 

What about other kinds of roads? See more instances of the posted speed restrictions for specific highways in the table below:

Type of Roads Speed Limits
Rural Interstate 55 to 70 mph
Residential and School District 20 to 25 mph
Rural Highways 40 to 55 mph
Work Zone 30 to 40 mph
Advisory 15 to 25 mph

Driving slower can lessen your risk of being in an accident, which may be unpleasant to drivers who enjoy going a few miles over the speed limit.

According to the DMV, the safest method to drive a car is at a speed that you and other drivers agree is safe. But a safe speed to drive your car, according to the DMV, is different in New York than it is in Hawaii or Texas.

Car Insurance Premiums post-Speeding Tickets

Do speeding tickets affect your insurance rates? If you regularly drive 10–15 mph over the speed limit, your insurance premiums could increase by as much as 10–20%. It’s common knowledge that going 30 mph or more over the limit can significantly increase your insurance costs—possibly as much as 40%.

Speeding Tickets and Insurance Rates: Know more here

The top auto insurance providers charge you more if you receive a speeding ticket. However, the rise is less expensive than it seems.

Let’s examine how speeding violations affect the major American insurance companies’ average monthly prices.

Companies Premium after One Speeding Violation
Allstate $2043
American Family $1632
Farmers $2053
Liberty Mutual $5709
Nationwide $1566
Progressive $1770
State Farm $1305
Travelers $1680
USAA $1053

USAA offers the cheapest rates. However, only military veterans and their immediate families can purchase USAA car insurance. As a result, regular motorists won’t have access to USAA insurance products. 

However, it would be best to consider Nationwide, Progressive, and American Family seriously. In the majority of states, State Farm is a reliable business.

Why does my speed matter to car insurance companies?

Since safe drivers are less likely to file insurance claims, auto insurance companies favor them. On the other hand, car insurance is more expensive for drivers with a history of speeding.

You might get more reasonable car insurance rates if you have a spotless driving record. Additionally, insurance firms offer discounts to cautious and safe drivers. If you meet the requirements for defensive driving and safe driver discounts, you can save at least 20% on your auto insurance premiums.

Practice Defensive Driving to be Safe

Your car must move slower when you want to turn right to avoid an accident.

Allowing other drivers to pass when merging is another principle of defensive driving. You must always yield to oncoming traffic, even with a green signal. Watch out for drivers who attempt to beat the light to avoid car accidents.

Final Thoughts

The speed limit determines the safest speed to drive at. It’s safe to go a few miles per hour under the posted speed limit, but going too slowly could clog up the road. As a result, you ought to switch lanes or stop to facilitate smooth traffic flow.

Keeping to the speed limit lowers your risk of getting into an accident or receiving a speeding ticket. Although costs vary depending on the driver, the safest drivers in the U.S. often pay the least for auto insurance.

You can compare several insurance providers in your area by downloading the Way.com app. However, before you do so, we recommend reading this article again to learn more about the safe speed to drive your car.


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