Best Auto Insurance Companies That Don’t Penalize You for a Speeding Ticket (2023)

How much does your insurance go up after a speeding ticket? Generally, drivers with speeding tickets see an increase between 20%-30% on their rates. Are there affordable auto insurance companies that don’t penalize you for a speeding ticket?

Unfortunately, there are no auto insurance companies that don’t count speeding tickets; however, if you can’t find auto insurance companies that don’t penalize you for a speeding ticket, affordable auto insurance can still be yours.

While a speeding ticket will raise your insurance rates to some degree, knowing how to lower insurance after speeding tickets have hit your driving record can you maintain cheap auto insurance.

While you can’t get quotes from auto insurance companies that don’t penalize you for a speeding ticket, enter your ZIP code to get free quotes from other great insurance companies today.

The Best Insurance Companies for Drivers With Speeding Tickets

While there is no such thing as auto insurance companies that don’t penalize you for a speeding ticket, great auto insurance rates from companies like Geico or SafeAuto can help you stay on budget.

The low rates at these companies could have you paying less for insurance after receiving a ticket than a driver with a clean record at, for example, the Hanover Insurance Group

SafeAuto auto insurance rates are only $156 per month on average whereas clients of the Hanover Insurance Group pay about $200 per month on average. Other companies that offer especially low rates include Esurance and The General.

Thankfully, most insurance companies only hold tickets against you for a three- to five-year period. That means once your ticket hits its time limit, it will be wiped from your policy and you should see your rate decline.

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How Drivers Can Keep Rates Low After Receiving a Ticket

Though you won’t find rates from auto insurance companies that don’t penalize you for a speeding ticket, you can take steps to reduce the increase that you may have seen in your rates. For example, you can bundle policies together with your insurance company to get a discount for having a policy bundle.

If you’re not sure what car insurance discounts you could be applying to your policy, feel free to review this comprehensive list of common discounts below:

Commonly Available Insurance Discounts

Vehicle Discounts:	Driver/Customer Discounts:	Personal Discounts:
Active Disabling Device	Claim Free	Emergency Deployment
Adaptive Cruise Control	Continuous Coverage	Family Legacy
Adaptive Headlights	Defensive Driver	Family Plan
Anti-Lock Brakes	Driver's Education	Federal Employee
Audible Alarm	Driving Device/App	Further Education
Automatic Braking	Early Signing	Good Student
Blind Spot Warning	Full Payment	Homeowner
Daytime Running Lights	Good Credit	Life Insurance
Economy Vehicle	Loyalty	Married
Electronic Stability Control	Multiple Policies	Membership/Group
Farm/Ranch Vehicle	Multiple Vehicles	Military
Forward Collision Warning	New Customer/New Plan	New Address
Garaging/Storing	Occasional Operator	New Graduate
Green/Hyrbid Vehicle	Online Shopper	Non-Smoker/Non-Drinker
Lane Departure Warning	On-Time Payments	Occupation
Newer Vehicle	Paperless/Auto Billing	Recent Retirees
Passive Restraint	Paperless Documents	Stable Residence
Utility Vehicle	Roadside Assistance	Student Away
Vehicle Recovery	Safe Driver	Student or Alumni
VIN Etching	Seat Belt Use	Volunteer
Get Your Rates Quote Now			#blank#	#blank#

As you can see, there are a plethora of discounts that drivers can use to their advantage whether or not they have a speeding ticket.

While a few of these discounts will require you to provide some documentation, others can be applied with a simple request like signing up for auto-pay or electronic billing.

Auto Insurance Companies That Don’t Penalize You for a Speeding Ticket: The Bottom Line

If you’re looking for auto insurance companies that don’t penalize you for a speeding ticket, looking for another auto insurance company altogether, or just looking for better rates, you can achieve all those goals with a company like Geico or SafeAuto.

These companies offer very low rates that can keep you on budget even if you do face a rate increase after getting a speeding ticket.

So while you can’t buy auto insurance from auto insurance companies that don’t penalize you for a speeding ticket, you certainly can begin your search to find cheap insurance.

Now that you know more about auto insurance companies that don’t penalize you for a speeding ticket, enter your ZIP code into our free tool to receive free quotes from companies in your area.

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

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