10 Best Auto Insurance Companies That Don’t Penalize for Speeding Tickets (2025)

Progressive, USAA, and State Farm are the best auto insurance companies that don’t penalize for speeding tickets. Progressive tops the list, with rates starting at $80/mo. These companies offer competitive rates, excellent coverage options, and UBI programs.

Most DMVs use the point system to track and penalize drivers for traffic violations, including speeding tickets. Points on your driving record can increase your insurance rates significantly. See how points affect your auto insurance rates in our guide.

Our Top 10 Picks: Best Auto Insurance Companies That Don’t Penalize for Speeding Tickets

The good news is some auto insurance companies don’t penalize for speeding tickets. This means that you can still get cheap auto insurance with speeding tickets. Find your cheapest auto insurance quotes by entering your ZIP code above into our free comparison tool.

#1 – Progressive: Top Overall Pick

Pros

• Loyalty Rewards: Progressive offers loyalty rewards that include discounts and perks for long-term customers, making it beneficial for those who stick with the company over time. 
• Telematics Program: The Snapshot program can lead to significant savings for safe drivers by monitoring driving habits. Learn more about this UBI in our Progressive auto insurance review.
• Wide Range of Coverage Options: Progressive provides insurance options, including gap insurance, rental car reimbursement, and custom parts coverage.

Cons

• Customer Service: Some customers report less than satisfactory experiences with customer service. 
• Rates Can Increase: Premiums may increase at renewal, especially for those who have had recent claims or changes in their driving record.

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#2 – USAA: Best for Driver Discount

Pros

• Excellent Rates for Members: USAA consistently offers some of the best rates available, particularly for those who qualify for membership (military members and their families). 
• Service Excellence: Known for its exceptional customer service and claims handling processes. 
• Discounts: USAA offers many discounts, including for safe driving, loyalty, and for vehicles equipped with certain safety features. Explore saving opportunities in our USAA auto insurance review.

Cons 

• Limited Eligibility: Only available to military members and their families.
• Limited Coverage Options: USAA may not offer as many coverage options as other insurance companies.

#3 – State Farm: Best for Save Program

Pros

• Strong Financial Stability: State Farm has a strong financial stability rating, providing customers with peace of mind that their claims will be paid.
• Variety of Products and Services: Offers not only auto insurance but also other types of insurance, such as homeowners and life insurance. Read more in our full review on State Farm’s auto insurance.
• Student Discounts: State Farm offers good driver discounts for students, making it a popular option for families with teenage drivers.

Cons

• Low Credit Scores Can Increase Rates: Those with less than perfect credit may have higher rates since State Farm factors credit score into its rates calculation.
• Varied Customer Service Feedback: Some customers have reported issues with claim processing and customer service.

#4 – Allstate: Best for Drivewise Program

Pros

• Drivewise Program: Allstate’s Drivewise program tracks driving habits through a mobile app and rewards safe drivers with discounts on their premiums.
• Good Driver Discounts: Offers discounts for safe driving, good grades for students, and for vehicles equipped with certain safety features. See how much you can save in our Allstate auto insurance review.
• Strong Online Presence: Allstate has a user-friendly website and mobile app, makes it easy for claim filing and policy management.

Cons

• Higher Premiums: Allstate tends to have higher premiums compared to other insurance companies especially for drivers with poor credit score.
• Customer Service Complaints: Some customers have reported issues with customer service, specifically long wait times and difficulty getting in touch with a representative.

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#5 – Nationwide: Best for Ride Program

Pros

• SmartRide: If you have a speeding ticket, this program may be for you. SmartRide offers a discount when you drive less and avoid hard stops. Learn more about SmartRide in our Nationwide auto insurance review.
• Loyalty Program:  Nationwide offers a loyalty program that rewards customers for their continued business.
• Accident Forgiveness: The company has an accident forgiveness policy that allows drivers with clean records to have one at-fault accident without it affecting their rates.

 Cons

• Availability: Nationwide is also not available in all States.
• Average Claims Handling: One of the most common complaints about Nationwide is the average handling of claims. Some customers have reported long wait times and delays in processing their claims.

#6 – Farmers: Best for Signal Program

Pros

• Signal App: You can file claims and manage your policy easily through the Farmers Signal mobile app.
• All States Availability: Farmers is available in all 50 States. Find more details in our review of Farmers auto insurance.
• Customer Satisfaction: Many customers praise Farmers for offering low rates, easy claim processing, and comprehensive coverage for homes, cars, and RVs.

Cons

• Average Rates: If you’re looking for cheap car insurance for people with tickets, Farmers may not be the best option for you.
• Limited Discounts: Farmers doesn’t have as many discounts available compared to other insurance companies.

#7 – Liberty Mutual: Best for Track Program

Pros

• RightTrack Program: Save up to 30% on your insurance rates when you participate in the RightTrack program and show safe driving habits.
• Tons of Discounts: The company offers a variety of discounts, including multi-policy, multi-car, and good driver discounts. If you’re looking for cheap auto insurance with tickets, Liberty Mutual might be a good choice.
• Deductible Fund: Liberty Mutual offers a deductible fund that reduces your deductible for every year you drive without an accident. Read our Liberty Mutual auto insurance review to see if you qualify.

Cons

• Higher Rates: Some customers have reported higher rates compared to other insurance companies.
• Mixed Claims Handling Reviews: While some customers are satisfied with Liberty Mutual’s claims handling, others have reported long wait times and issues with processing their claims.

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#8 – Travelers: Best for IntelliDrive Program

Pros

• IntelliDrive Program: Travelers offer one of the best telematics programs called IntelliDrive. This program offers a discount on auto insurance premiums for safe driving behavior.
• Discount Availability: Take advantage of Travelers’ many discounts, including multi-policy, safe driver, good student, and more. See the available discount in our Travelers auto insurance review.
• Coverage Options: Drivers with speeding tickets, accidents, and DUIs can still find coverage with Travelers.

Cons

• Limited Availability: Travelers is not available in all states and may have limited coverage options in some areas.
• Limited Local Agents: While Travelers does have a network of local agents, they may not be available in all areas or may not offer the best customer service.

#9 – American Family: Best for Drive Program

Pros

• KnowYourDrive Program: You can choose to participate in American Family’s telematics program, KnowYourDrive, to earn discounts on auto insurance premiums for safe driving.
• Discount Availability: American Family offers a variety of discounts such as multi-policy, good driver, and low mileage.
• Excellent Customer Service: American Family has received high ratings for its customer service and claims handling.

Cons

• Billing Issues: Some customers have reported issues with billing, such as unexpected increases in rates or incorrect charges.
• Limited Availability: American Family is only available in 19 states, so it may not be an option for everyone. Find out if your State is covered in our American Family auto insurance review.

#10 – MetLife: Best for Journey Program

Pros

• My Journey Program: The My Journey program offers savings and feedback to enhance your driving safety, helping identify and correct unsafe driving habits to reduce accident risks.
• Bundling Options: MetLife offers a combination policy that combines home and auto insurance for convenience and potential cost savings.
• Gap Coverage: MetLife offers an optional gap coverage for drivers who are still paying off a car loan. Explore more coverage options in our MetLife auto insurance review.

Cons

• Higher Rates for Young Drivers: Some reviews have reported higher rates for teenagers or young drivers on their policies.
• Coverage Restrictions: Some policies may have limitations on coverage for specific types of vehicles or driving activities.

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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 Progressive or USAA can help you stay on budget. You can get cheap car insurance with speeding tickets with these companies.

Progressive auto insurance rates are only $80 per month on average whereas clients of State Farm pay about $85 per month on average.

Check out the average rates for drivers with speeding tickets from our top companies.

Auto Insurance Monthly Rates With Speeding Tickets by Coverage Level & Provider

USAA offers even better rates, with an average monthly cost of just $70 for military members and their families.

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.

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.

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:

Auto Insurance Discounts From the Top Providers

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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 from Progressive. You can also get affordable coverage with USAA and State Farm. 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.

Read more: Where to Compare Auto Insurance Rates 

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 speeding tickets affect insurance?

Yes, speeding tickets can affect your insurance rates. They are considered a sign of risky driving behavior and may result in an increase in premiums. Insurance companies use this information to assess the level of risk they are taking. Find out how auto insurance companies check driving records in this guide.

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 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. Learn more: How long does a speeding ticket affect your auto insurance rates?

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?

Yes, you can still get cheap car insurance with tickets. 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.

Does Geico forgive first speeding ticket?

If you receive your first speeding ticket and have no other infractions on your record, you might not experience a significant rate increase. This leniency acknowledges that even cautious drivers can make occasional errors. However, for those with a history of tickets or infractions, speeding ticket forgiveness is less likely.

Are there affordable auto insurance companies that don’t penalize you for a speeding ticket?

Unfortunately, most auto insurance companies penalize drivers for speeding tickets with increased rates. However, companies like Geico offer accident forgiveness programs that can waive the rate increase for a first-time infraction. Find the best auto insurance companies for accident forgiveness in our detailed guide.

How much does your insurance go up after a speeding ticket?

On average, a single speeding ticket can result in a 20-25% increase in rates. It’s worth noting that the increase may vary depending on your driving history and the severity of the ticket. For example, a more severe speeding ticket such as reckless driving may result in a higher rate hike.

How much will a speeding ticket raise my Geico insurance?

A speeding ticket can result in a rate increase of about 53% with Geico, depending on your driving history and the severity of the ticket. However, if you have no other infractions on your record and are enrolled in their accident forgiveness program, you may not see an increase at all.

How much does USAA insurance go up after a speeding ticket?

USAA insurance rates may increase by approximately 9.3% after receiving a speeding ticket. Depending on your State, the increase may vary and could be higher or lower than the average. Read more: Why does auto insurance vary from state to state?

What insurance is best for speeding tickets?

Progressive, USAA, and State Farm have the best car insurance for speeding tickets. These providers offer accident forgiveness programs that can waive or reduce the rate increase associated with a speeding ticket.

Can I remove a speeding ticket from my driving record?

While it’s not possible to completely remove a speeding ticket from your driving record, there are ways to minimize its impact. Some states offer a traffic school option where drivers can have the ticket reduced or dismissed upon completion of a defensive driving course.

Which companies have the cheapest car insurance with speeding tickets?

State Farm, Geico, and Progressive have the cheapest insurance for speeding tickets. Shop around and compare quotes from multiple providers to find the best deal for your specific driving history. If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool below to compare your rates against the top insurers.

What is the best insurance company for high risk drivers?

Progressive, Geico, and State Farm the best auto insurance companies for high-risk drivers. See our ranking of the best auto insurance companies for high-risk drivers to learn more.

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Written by:

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...

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Written by Michael Leotta

Insurance Operations Specialist

Reviewed by:

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

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Reviewed by Michelle Robbins

Licensed Insurance Agent

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