8 Best Auto Insurance Companies for Drivers With Speeding Tickets (Top Providers Ranked in 2025)

State Farm, Progressive, and Geico are the best auto insurance companies for drivers with speeding tickets. State Farm is our top pick, with affordable rates and multiple local agents for in-person assistance.

Our Top 8 Company Picks: Best Auto Insurance for Drivers With Speeding Tickets

The other cheapest auto insurance companies on our list also offer great perks for drivers with speeding tickets, from discounts to accident forgiveness programs.

Read on to learn more about the best companies for drivers with speeding tickets and ways to reduce your rates if you have a speeding ticket on your record.

You can also enter your ZIP code above to compare quotes from various insurance providers in your area.

#1 – State Farm: Top Pick Overall

Pros

• Local Agents: State Farm has multiple local agents offering in-person help, so drivers with speeding tickets can get assistance lowering their rates.
• Good Customer Service Ratings: State Farm has decent ratings for customer service, likely due to its array of local agents. Read more about its ratings in our State Farm auto insurance review.
• Multiple Coverage Options: Drivers with speeding tickets can select which coverages they want to carry, helping them choose only the coverages they can afford.

Cons

• Region Rates Vary: State Farm’s rates for drivers with speeding tickets may be higher in some regions than in others, so it’s still important to shop around and compare rates.
• Online Quotes Limited: Since State Farm conducts most of its business in person, its online quote process may not be as comprehensive as that of other companies.

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#2 – Progressive: Best for UBI Program

Pros

• Snapshot Program: Progressive’s Snapshot program rewards safe drivers who do well in the program with discounts, even if drivers have prior speeding tickets.
• Multiple Discounts: There are other Progressive auto insurance discounts that drivers with speeding tickets can use, such as multi-car discounts.
• Easy-to-Use Apps and Website: Progressive’s app and website are easy to navigate, making it simple for drivers to manage policies and check rate changes.

Cons

• Customer Service Reviews Vary: Progressive’s customer service reviews are mixed regarding claims handling. You can read more about Progressive claims in our Progressive auto insurance review.
• Higher Rates for Some Demographics: Progressive is often not the cheapest provider for teenage drivers.

#3 – Geico: Best for Competitive Rates

Pros

• Reasonable Average Rates: Geico’s average rates are affordable for most drivers, even those with a speeding ticket (read more in our Geico auto insurance review).
• DriveEasy Program: Drivers who do well in Geico’s DriveEasy program can earn a discount, which is especially helpful for those with speeding tickets on their record.
• Easy-to-Use Website and App: Geico’s website and app are straightforward, making it easy for drivers with speeding tickets to get quick quotes or manage policies.

Cons

• Few Local Agents: Geico doesn’t offer many in-person agents, so drivers with speeding tickets may not be able to get in-person assistance.
• Discounts May Be Selective: Drivers with multiple speeding tickets may not qualify for every discount at Geico.

#4 – Allstate: Best for Safe Driver Discounts

Pros

• Drivewise Program: Allstate’s Drivewise program offers discounts to safe drivers, even if they have a prior speeding ticket.
• User-Friendly App: Allstate’s mobile app is well-rated by customers.
• Multiple Auto Insurance Options: Allstate has multiple coverage options, which you can read more about in our Allstate auto insurance review.

Cons

• Higher Average Rates: Allstate has higher average rates, which means it may not be the cheapest option for drivers with speeding tickets.
• Customer Reviews are Mixed: Customer reviews are mixed when it comes to Allstate’s customer service, particularly in terms of the speed of claims handling.

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#5 – Nationwide: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Nationwide offers accident forgiveness for safe drivers. This means that even those with only one speeding ticket, provided it’s from a few years ago, may still be able to avoid increased rates after an accident.
• SmartRide Program: Drivers with speeding tickets can participate in Nationwide’s SmartRide program to earn a discount for safe driving (read more in our Nationwide SmartRide app review).
• Multiple Coverage Options: Nationwide offers various auto insurance coverage options for drivers to choose from, helping them lower their rates. Learn more in our Nationwide auto insurance review.

Cons

• Few Local Agents: Nationwide doesn’t have many in-person agents, so drivers with speeding tickets may not receive as much personalized assistance.
• Discounts Not All Widely Available: Nationwide doesn’t offer some discounts in select states.

#6 – Liberty Mutual: Best for Coverage Options

Pros

• Multiple Discounts: Drivers with speeding tickets can take advantage of Liberty Mutual auto insurance discounts to save.
• Multiple Coverage Options: Drivers can add or drop coverages to adjust their rates.
• RightTrack Program: A discount program for drivers who participate and demonstrate safe driving habits.

Cons

• Customer Service Reviews Are Mixed: Customer reviews for Liberty Mutual are mixed, particularly regarding claims processing. Learn more in our Liberty Mutual auto insurance review.
• Rate Increases May Exceed Discounts: Discounts may not be enough to keep rates from going up for drivers who have a speeding ticket.

#7 – Esurance: Best for Ease of Use

Pros

• Easy to Use Website: Esurance has a very simple online quote process, making it easy for drivers with speeding tickets to check how much their rates would be at Esurance.
• Competitive Rates: Esurance’s rates tend to fall around the middle for drivers with speeding tickets, making it one of the more affordable companies.
• Highly-Rated App: Esurance’s mobile apps are highly rated, so drivers with speeding tickets can easily check and manage their policies.

Cons

• Customer Reviews are Mixed: Esurance has mixed customer reviews, which you can read more about in our Esurance auto insurance review.
• Limited Availability: Esurance is not available in every state, so drivers who move may not be able to keep Esurance as a provider.

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#8 – Farmers Insurance: Best for Discounts

Pros

• Variety of Discounts: Drivers with speeding tickets can apply for multiple discounts at Farmers to try to keep rates low after a speeding ticket.
• Strong Financial Stability: Farmers Insurance has great financial stability ratings, so it is able to pay out claims without issue (read more: Farmers Auto Insurance Review).
• Multiple auto insurance coverages: Drivers with a speeding ticket can choose coverages that meet their budget.

Cons

• Lack of Local Agents: Farmers Insurance may not have local agents in every area.
• Higher Rates: Farmers Insurance rates may not be the cheapest for drivers with speeding tickets.

How Speeding Tickets Affect Auto Insurance Rates

How much does a ticket raise your car insurance? The amount your speeding ticket will increase your rates depends on several factors, such as how fast you were driving, your previous driving record, and your specific insurance company.

On average, a speeding ticket can raise your premium by at least 10%. If you recently received a violation, you might want to search for cheap auto insurance for drivers with tickets, as not all providers increase rates equally.

State Farm and USAA often offer the cheapest insurance for drivers with speeding tickets, especially for first-time offenders. Drivers who have accumulated violations over time should look into cheap car insurance for drivers with points on their license, as some companies provide leniency for older infractions.

If you’ve been cited more than once, it’s still possible to find cheap auto insurance for drivers with 2 points, though it usually requires comparing quotes from multiple providers who specialize in high-risk coverage (Learn more: High-Risk Auto Insurance).

What to Look for in an Insurance Company After a Speeding Ticket

After getting a speeding ticket, it’s essential to find an insurance company that won’t raise your rates too high. In the U.S., insurance companies can charge more if you have a ticket, so it’s a good idea to compare quotes. Many drivers look for cheap auto insurance for a person with tickets to keep their costs down after a violation.

Some companies, like State Farm, Geico, or Progressive, offer better deals for drivers with one or two tickets. You should also look into the best insurance companies for drivers with speeding tickets, as they often offer discounts for taking driving courses or having a clean record for a certain time.

The best insurance for drivers with tickets gives solid coverage without charging a fortune. If your record has multiple violations, you may want to consider insurance companies that specialize in drivers with bad driving records.

Drivers with serious or repeated offenses should look for the best car insurance if they have speeding tickets, or search online for cheap insurance options for drivers with tickets to compare and save money.

Read more: How to Check if an Auto Insurance Company is Legitimate

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Accident and Ticket Forgiveness Programs

After getting a speeding ticket, it’s important to find an insurance company that can help prevent your premiums from skyrocketing. Many drivers look for speeding ticket forgiveness insurance to avoid paying higher rates.

State Farm’s speeding ticket policy offers a great option, with its State Farm speeding ticket forgiveness policy allowing drivers to keep their rates stable after a first violation, provided they maintain a clean driving record. Similarly, the Progressive speeding ticket forgiveness policy allows drivers to avoid a rate increase by completing a defensive driving course.

Geico’s speeding ticket forgiveness policy helps drivers by lowering the cost of a speeding ticket to their insurance. Allstate’s ticket forgiveness program is another excellent option, offering a way to prevent your rates from rising too much after a ticket.

These forgiveness programs can help keep your premiums low, even after a car insurance increase due to a speeding ticket. Make sure to explore each option for the best coverage and rates.

Read more: How long does an accident affect your auto insurance rates?

How Location Affects Your Rates After a Speeding Ticket

Car insurance rates increase after a speeding ticket and can vary widely depending on where you live due to differing speeding ticket penalties by state. These state-specific laws and fines directly impact how much your insurance premiums may rise. For instance, the Massachusetts speeding fines chart helps drivers understand how steep fines can lead to higher insurance rates in that state.

Auto Insurance With a Speeding Ticket: Full Coverage Monthly Rates by State

In contrast, Ohio drivers can estimate their penalties using tools like the Ohio speeding ticket fine calculator, and the average speeding ticket cost in Ohio often reflects less dramatic premium increases compared to other states.

Likewise, the Mississippi speeding ticket cost calculator provides an estimate of how much a ticket might cost and its potential impact on your insurance. Insurance firms, such as State Farm, tend to base their rates on these local fines.

If your provider increases your premium by several hundred dollars or more, you might consider shopping around, especially in states with higher average penalties.

Read more: Factors That Affect Auto Insurance Rates

How Long Speeding Tickets Impact Drivers’ Rates

Because speeding tickets can make rates unaffordable for some drivers, most people want to know when their rates will return to a reasonable price. Generally, in most cases, insurance companies will stop using the speeding ticket on your driving record to calculate rates in about three years.

Your rates may also not increase until your next policy renewal if you don’t immediately report the ticket to your insurance company. Are you wondering how insurance companies find out about tickets?

Companies will check your driving record every policy renewal, so any new tickets since your last policy renewal will show up as points on your driving record.

Additionally, speeding tickets can affect a driver’s insurance rates for several years. For example, the Massachusetts driving fines chart shows how ticket severity can influence rate increases.

The average cost of a speeding ticket can also impact premiums, especially if it’s a repeated offense. State Farm’s speeding ticket policies typically increase rates for 3 to 5 years, depending on state laws. (Learn more: How long does a speeding ticket affect your auto insurance rates?)

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Other Traffic Tickets That Increase Auto Insurance Rates

It’s not just speeding tickets that will increase your rates. If you get other traffic tickets along with a speeding ticket, you can expect huge increases in your insurance rates. Your insurance company will raise rates depending on how many points you get with each ticket. Some violations are worse than others and will result in more points.

If you’re looking for cheap auto insurance for drivers with speeding tickets, keep in mind that the more violations you have, the harder it might be to find lower rates.

However, the answer to questions like “How much do two points affect insurance?” will depend on your insurance company and past driving history. For example, the Progressive speeding ticket policy may differ from those of other providers, so it’s essential to check how each company handles violations.

So, peek below at other common traffic violations that will raise your insurance rates. Knowing this can help you compare options and possibly find the best car insurance for drivers with speeding tickets, even if you have a few points on your record.

Texting Tickets

Not all states let insurance companies use texting tickets to raise your rates. However, in states where texting tickets count as moving violations, they can affect how much you pay for car insurance. This matters more if you already have a speeding ticket because adding another ticket could make it harder for drivers with speeding tickets to find cheap car insurance.

Some companies, like the State Farm speeding ticket insurance policy, might treat texting tickets differently depending on where you live and your driving record. If you’ve got a few tickets on your record, it’s smart to shop around and try to get the best car insurance for drivers with speeding tickets.

Read more: Do points affect auto insurance rates?

Red Light Tickets

Red light tickets, where a camera snaps a photo of your license plate and sends you a fine in the mail, don’t always lead to higher insurance rates. These tickets aren’t considered moving violations in some states, so they may not affect your rates.

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But if you already have a speeding ticket, it’s still smart to look for the cheapest car insurance for drivers with speeding tickets, just in case the ticket does show up on your record.

Some companies treat these tickets differently, so shopping around can help you find the best insurance for drivers with speeding tickets. Even with a red light ticket, it’s still possible to get cheap car insurance for drivers with speeding tickets by comparing your options.

Read more: Does a red light ticket affect auto insurance rates?

Failure to Stop/Yield Tickets

Failing to stop at a stop sign or failing to yield to oncoming traffic at a yield sign can result in a ticket. If your state treats these tickets as moving violations, you will see a rate increase. In addition, if you cause an accident because you failed to stop or yield, you will see a rate increase regardless of your state.

Check out our guide on how auto insurance companies check driving records to learn how a failure to stop or yield a ticket can affect your rates and what you can do to keep your record clean.

DUI Tickets

Getting a DUI will raise your insurance rates no matter what state you live in. That’s because insurance companies see you as a higher risk. Some drivers with a DUI on their record might not be able to get regular insurance and will have to buy high-risk coverage, which costs more.

A DUI stays on your record for years, so you’ll likely pay higher rates until it comes off. To help lower your costs, you can take a defensive driving course or shop around for better rates.

Out-Of-State Tickets

Whether your rates increase depends on whether the other state treats your ticket as a moving violation. If you get a red light ticket in another state that doesn’t add points to your record and is a non-moving violation, it won’t affect your auto insurance rates.  However, running a stop sign in another state where it’s a moving violation will affect your auto insurance rates.

No matter how recent or if it’s an old speeding ticket, comparing quotes can help you find the best insurance for speeding tickets and keep your rates as low as possible.

Read more: Do I have to declare speeding points on my insurance?

Top Auto Insurance Options for Drivers With Speeding Tickets

State Farm, Progressive, and Geico are some of the best car insurance companies for drivers with tickets. State Farm is the top pick due to its affordable rates and helpful local agents. A speeding ticket can raise your rates by at least 10%, but how much it affects your premiums depends on factors like your driving history, how serious the ticket was, and which insurance company you go with.

Many companies offer programs to help keep rates from going up too much, like accident forgiveness or discounts for taking a defensive driving course. Even though rates might stay higher for up to three years, comparing quotes from different providers can help you find a better deal.

If you want cheap car insurance for drivers with tickets, shopping around and looking for discounts can help lower your rates.

Also, if you’re with Liberty Mutual, ensure your Liberty Mutual vehicle sticker is up to date to avoid any further issues. Use our free quote comparison tool to find your area’s best auto insurance rates.

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