Best Auto Insurance Companies That Don’t Penalize for a Speeding Ticket (2023)
Geico and Safe Auto are the best auto insurance companies that don't penalize drivers after a speeding ticket. Drivers should expect monthly car insurance rates to increase by at least 20% after a speeding ticket. However, with discounts, you can keep Geico high-risk insurance rates low.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- All insurance companies will penalize drivers who receive speeding tickets
- Drivers can shop online to find cheap insurance policies that remain competitive in price even after a rate increase
- Drivers can keep rates low by making sure every discount they deserve has been applied to their policy
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 above to get free quotes from other great insurance companies today.
The Best Auto Insurance Companies for Drivers With Speeding Tickets
While there’s 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. You can get cheap car insurance with speeding tickets with these companies.
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. Keep reading to see how you can get affordable car insurance for high-risk drivers.
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How to Keep Auto Insurance Rates Low After a Speeding 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 auto insurance discounts you could be applying to your policy, feel free to review this comprehensive list of common discounts below:
| Vehicle Discounts | 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 |
As you can see, drivers can take advantage of various discounts to get cheap car insurance with speeding tickets. While some of these discounts require you to provide some documentation, others can be applied with a simple request like signing up for auto-pay or electronic billing.
More About Auto Insurance Companies That Don’t Penalize You for a Speeding Ticket
While you can’t find auto insurance companies that don’t penalize you for a speeding ticket, you can find the best insurance for speeding tickets by getting Geico high-risk insurance coverage. You can also get affordable coverage with The General 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.
Gotten one too many speeding tickets? High-risk drivers may find that they can find coverage with The General 🪖when they can't from other companies. https://t.co/27f1xf1ARb has compiled a detailed report. Find out all you need to know here👉: https://t.co/Z7j7VJXMno pic.twitter.com/l1hMqXUmlV
— AutoInsurance.org (@AutoInsurance) July 11, 2023
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.
Frequently Asked Questions
Do all auto insurance companies penalize drivers for a speeding ticket?
No, not all auto insurance companies penalize drivers for a speeding ticket. There are some insurance companies that take a more lenient approach and do not increase premiums solely based on a single speeding ticket.
What tickets don’t affect insurance?
Generally, non-moving violations don’t affect your car insurance rates. However, a speeding ticket will increase your premiums with most companies.
Why do some auto insurance companies penalize drivers for a speeding ticket?
Auto insurance companies consider speeding tickets as an indicator of higher risk. They believe that drivers with speeding tickets are more likely to be involved in accidents, which may lead to filing claims. As a result, these companies increase premiums for drivers with speeding violations.
How do these insurance companies determine whether to penalize for a speeding ticket or not?
Each insurance company has its own underwriting guidelines and rating factors. Some companies may overlook a single minor speeding ticket, especially if it is the driver’s first offense or if it falls below a certain threshold. However, the specific criteria vary among companies, so it’s best to inquire with the insurer directly to understand their policies.
Can I still get affordable rates if I have multiple speeding tickets?
While having multiple speeding tickets may increase the likelihood of higher premiums, it is still possible to find affordable rates. Some insurance companies offer forgiveness programs or have more lenient policies for drivers with multiple speeding violations. It’s advisable to compare quotes from different insurers to find the most competitive rates for your specific situation.
How long do speeding tickets affect insurance rates?
Speeding tickets generally affect insurance rates for a certain period, typically ranging from three to five years. The exact duration can vary depending on the insurance company and state regulations. After the specified time has passed, the speeding ticket’s impact on insurance rates may diminish or expire.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.