Best Auto Insurance Companies for Drivers with Speeding Tickets (2021)

The best auto insurance companies for speeding tickets will vary by driver, but USAA and GEICO have some of the cheapest rates. Drivers with a speeding ticket can expect to pay an extra $45 a month, and rates can be extremely expensive with multiple tickets. Drivers can take advantage of discounts and enroll in telematics programs to reduce auto insurance rates from the best car insurance companies for speeding tickets.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 31, 2021

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Things to Remember

  • A speeding ticket can cost you an average of $45 extra per month on your auto insurance
  • USAA and GEICO offer the cheapest auto insurance for drivers with a speeding ticket
  • Drivers can take advantage of discounts and telematics programs to lower rates and become better drivers

When looking for the most affordable auto insurance companies for speeding tickets, results will vary by driver. Every company will offer different rates for each individual.

To find the best car insurance with speeding tickets, compare the best auto insurance companies out there. Shop around to find the best deal for you.

If you’ve gotten a speeding ticket and you’re looking for cheap coverage, enter your ZIP code above to compare free auto insurance quotes from the best auto insurance companies for speeding tickets near you.

What are the best auto insurance companies for speeding tickets?

Auto insurance companies pay close attention to your driving record when calculating your rates. Drivers who pose more of a risk will see higher rates.

In fact, according to the National Highway Traffic Safety Administration, one in three traffic accident deaths are caused by speeding. It’s no wonder auto insurance companies take speeding tickets seriously.

While almost every driver speeds at least occasionally, those tickets can really drive up your car insurance rates.

This table shows you just how much your driving record affects your auto insurance rates:

Average Annual Auto Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One Speeding ViolationAverage Annual Rates with One DUI
Allstate$3,819.90$4,987.68$4,483.51$6,260.73
American Family$2,693.61$3,722.75$3,025.74$4,330.24
Farmers$3,460.60$4,518.73$4,079.01$4,718.75
GEICO$2,145.96$3,192.77$2,645.43$4,875.87
Liberty Mutual$4,774.30$6,204.78$5,701.26$7,613.48
Nationwide$2,746.18$3,396.95$3,113.68$4,543.20
Progressive$3,393.09$4,777.04$4,002.28$3,969.65
State Farm$2,821.18$3,396.01$3,186.01$3,636.80
Travelers$3,447.69$4,289.74$4,260.80$5,741.40
USAA$1,933.68$2,516.24$2,193.25$3,506.03
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USAA and GEICO offer the best car insurance for bad driving records, but you can still expect to pay an extra $45 a month if you get a speeding ticket.

Also, USAA only offers insurance to active-duty military members, veterans, and their families.

If you have multiple tickets, accidents, or DUIs, your auto insurance rates will skyrocket and you might be required to purchase high-risk auto insurance.

Finding affordable car insurance for high-risk drivers is extremely difficult since most companies will charge you very high rates. Compare quotes online before you buy auto insurance for drivers with speeding tickets to secure the cheapest rates possible.

What other factors affect your auto insurance rates?

It shouldn’t surprise you that car insurance companies look closely at your driving record when calculating your rates. However, there are some other factors that affect auto insurance rates you might not have considered.

The most common personal factors looked at are your age, gender, marital status, the car you drive, where you live, and your credit score.

Drivers who are older and married will pay less for auto insurance. However, if you drive an expensive car or live in an area with high traffic and crime, you will pay much higher rates.

These factors all work together to determine your rates. To make matters more confusing, each auto insurance company will weigh each factor differently.

The only way to find the best car insurance company after you get a speeding ticket is to shop around.

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How can drivers with speeding tickets get lower auto insurance rates?

If you’ve gotten a speeding ticket, you won’t necessarily be stuck with those high auto insurance rates. There are several things you can do to lower your rates.

First, take advantage of auto insurance discounts. While some discounts depend on your driving record, many of them don’t.

Take a look at this table showing common discounts from the top auto insurance companies in the industry. The discount amount is listed if it is known:

Auto Insurance Discounts By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device / AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging / StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer / New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingxxxN/Ax$30x$233
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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In addition to discounts, your auto insurance company may offer other ways to lower your rates. One way is to participate in a telematics program.

With a telematics program, your driving is monitored through an app or device and you receive a discount based on how well you do in certain areas. These programs can also make you a better driver.

You can also consider lowering your coverage and raising your deductibles to save money. However, you need to be prepared to pay more out of pocket if you’re in an accident.

How to Find the Best Auto Insurance Companies for Speeding Tickets

While the best auto insurance companies for speeding tickets will vary, USAA and GEICO offer some of the lowest rates.

If you’ve gotten a speeding ticket, take advantage of discounts and other programs offered by your car insurance company to lower rates.

Shopping around is the best way to find cheap car insurance after you’ve gotten a speeding ticket. Compare rates from various companies to see which one can offer you the best deal.

Enter your ZIP code below to compare rates from the best auto insurance companies for speeding tickets in your area for free.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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