(NEXSTAR) – Seeing flashing blue and red lights in one's rearview mirror can be panic-inducing, but in some states it's what happens to one's insurance rate after a speeding ticket that can feel like the real penalty.

A study by Bankrate found that where you live makes a big difference when it comes to how much premiums go up after a single speeding ticket.

Don't assume that the states with the highest insurance premiums have the largest increases after a speeding violation, however.

New York, for instance, has the highest average premium for full coverage at $4,192, but the lowest rate increase after a speeding conviction, just 7%, according to data from Quadrant Information Services.

The study found that North Carolina, where the average full coverage premium is $1,957, has the highe

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