Best Auto Insurance Companies That Don’t Penalize You for a Speeding Ticket (2021)

There is no such thing as auto insurance companies that don't penalize you for a speeding ticket, but you can stay on budget with affordable companies like SafeAuto, whose rates are $156/month on average. Though you cannot buy auto insurance from companies that don't penalize you for a speeding ticket, drivers can use discounts to make sure that their rates stay low.

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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: Sep 9, 2021

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Things to Remember

  • 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 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 DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-Lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hyrbid VehicleOnline ShopperNon-Smoker/Non-Drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer
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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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