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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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Sep 9, 2021
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- 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.
Table of Contents
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 |
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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.