my understanding is you have to be doing something like 15 over before your insurance gets snitty...but it's been so long since I've had a speeding ticket, I wouldn't trust my memory on things such as this. I usually try...I say, try...to not speed much over 5 or 6 mph over. Most of the time they don't bother you for such infractions...either it's that or our cops are lazy. :-)