8 Best Auto Insurance Companies for Drivers With Speeding Tickets (2024)
State Farm, Progressive, and Geico are the best auto insurance companies for drivers with speeding tickets. State Farm is our top pick, with affordable rates that average $86/mo and local agents for personalized assistance when shopping for auto insurance with speeding tickets.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Mar 18, 2024
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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: Mar 18, 2024
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.
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17,759 reviewsCompany Facts
Avg. Monthly Rate for Drivers With Tickets
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
13,128 reviewsCompany Facts
Avg. Monthly Rate for Drivers With Tickets
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
19,116 reviewsCompany Facts
Avg. Monthly Rate for Drivers With Tickets
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsState Farm, Progressive, and Geico are the best auto insurance companies for drivers with speeding tickets.
State Farm is our top pick, with affordable rates and multiple local agents for in-person assistance.
Our Top 8 Company Picks: Best Auto Insurance for Drivers With Speeding Tickets
| Company | Rank | Usage-Based Discount | Multi-Policy Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 30% | 17% | Cheap Rates | State Farm |
 | #2 | 30% | 5% | Usage-Based Insurance | Progressive |
 | #3 | 25% | 25% | Good Drivers | Geico |
 | #4 | 40% | 25% | Safe-Driving Discounts | Allstate |
 | #5 | 40% | 25% | Accident Forgiveness | Nationwide |
 | #6 | 30% | $950/yr | Policy Options | Liberty Mutual |
 | #7 | 30% | 10% | Online Convenience | Esurance |
 | #8 | 30% | 10% | Discount Variety | Farmers Insurance |
The other cheapest auto insurance companies on our list also offer great perks for drivers with speeding tickets, from discounts to accident forgiveness programs.
Read on to learn more about the best companies for drivers with speeding tickets and ways to reduce your rates if you have a speeding ticket on your record. You can also enter your ZIP code above to compare quotes from various insurance providers in your area.
- Speeding tickets will result in rate increases with your insurance company
- Your rates will usually remain high for three years
- You can shop around to reduce your rates after a speeding ticket
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#1 – State Farm: Top Pick Overall
Pros
- Local agents: State Farm has multiple local agents offering in-person help, so drivers with speeding tickets can get assistance lowering their rates.
- Good customer service ratings: State Farm has decent ratings for customer service, likely due to its array of local agents. Read more about State Farm’s ratings in our State Farm auto insurance review.
- Multiple coverage options: Drivers with speeding tickets can pick and choose which coverages they want to carry, which can help them choose only the coverages they can afford.
Cons
- Region rates vary: State Farm’s rates for drivers with speeding tickets may be higher in some regions than others, so it is important to still shop around and compare rates.
- Online quotes limited: Because State Farm conducts most of its business in-person, its online quote process may not be as extensive as other companies.
#2 – Progressive: Best for UBI Program
Pros
- Snapshot program: Progressive’s Snapshot program rewards safe drivers who do well in the program with discounts, even if drivers have prior speeding tickets.
- Multiple discounts: There are other Progressive auto insurance discounts that drivers with speeding tickets can use, such as multi-car discounts.
- Easy-to-use apps and website: Progressive’s app and website are easy to navigate, making it simple for drivers to manage policies and check rate changes.
Cons
- Customer service reviews vary: Progressive’s customer service reviews are mixed regarding claims handling. You can read more about Progressive claims in our Progressive auto insurance review.
- Higher rates for some demographics: Progressive is often not the cheapest provider for teenage drivers.
#3 – Geico: Best for Competitive Rates
Pros
- Reasonable average rates: Geico’s average rates are affordable for the majority of drivers, even with a speeding ticket (read more in our Geico auto insurance review).
- DriveEasy program: Drivers who do well in Geico’s DriveEasy program can earn a discount, which is helpful for drivers with speeding tickets on their record.
- Easy-to-use website and app: Geico’s website and app are straightforward, making it easy for drivers with speeding tickets to get quick quotes or manage policies.
Cons
- Few local agents: Geico doesn’t offer many in-person agents, so drivers with speeding tickets may not be able to get in-person assistance.
- Discounts may be selective: Drivers with multiple speeding tickets may not qualify for every discount at Geico.
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#4 – Allstate: Best for Safe Driver Discounts
Pros
- Drivewise program: Allstate’s Drivewise program offers discounts to safe drivers, even if they have a prior speeding ticket.
- User-friendly app: Allstate’s mobile app is well-rated by customers.
- Multiple auto insurance options: Allstate has multiple coverage options, which you can read more about in our Allstate auto insurance review.
Cons
- Higher average rates: Allstate has higher average rates, which means it may not be the cheapest option for drivers with speeding tickets.
- Customer reviews are mixed: Customer reviews are mixed when it comes to Allstate’s customer service, such as with its speed of claims handling.
#5 – Nationwide: Best for Accident Forgiveness
Pros
- Accident forgiveness: Nationwide forgives safe drivers their first at-fault accident, so drivers with only one speeding ticket that is over a few years old may still be able to avoid increased rates after an accident. (Read More: What is accident forgiveness?)
- SmartRide program: Drivers with speeding tickets can participate in Nationwide’s SmartRide program to earn a discount for safe driving (read more in our Nationwide SmartRide app review).
- Multiple coverage options: Nationwide has different auto insurance coverage options that drivers can pick and choose from to lower their rates. Learn more in our Nationwide auto insurance review.
Cons
- Few local agents: Nationwide doesn’t have many in-person agents, so drivers with speeding tickets won’t have as much personalized assistance.
- Discounts not all widely available: Nationwide doesn’t offer some discounts in select states.
#6 – Liberty Mutual: Best for Coverage Options
Pros
- Multiple discounts: Drivers with speeding tickets can take advantage of Liberty Mutual auto insurance discounts to save.
- Multiple coverage options: Drivers can add or drop coverages to adjust their rates.
- RightTrack program: A discount program for drivers who participate and demonstrate safe driving habits.
Cons
- Customer service reviews are mixed: Customer reviews for Liberty Mutual are mixed, especially when it comes to claims processing. Learn more in our Liberty Mutual auto insurance review.
- Rate increases may exceed discounts: Discounts may not be enough to keep rates from going up for drivers who have a speeding ticket.
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#7 – Esurance: Best for Ease of Use
Pros
- Easy to use website: Esurance has a very simple online quote process, making it easy for drivers with speeding tickets to check how much their rates would be at Esurance.
- Competitive rates: Esurance’s rates tend to fall around the middle for drivers with speeding tickets, making it one of the more affordable companies.
- Highly-rated app: Esurance’s mobile apps are highly rated, so drivers with speeding tickets can easily check and manage their policies.
Cons
- Customer reviews are mixed: Esurance has mixed customer reviews, which you can read more about in our Esurance auto insurance review.
- Limited availability: Esurance is not available in every state, so drivers who move may not be able to keep Esurance as a provider.
#8 – Farmers Insurance: Best for Discounts
Pros
- Variety of discounts: Drivers with speeding tickets can apply for multiple discounts at Farmers to try to keep rates low after a speeding ticket.
- Strong financial stability: Farmers Insurance has great financial stability ratings, so it is able to pay out claims without issue (read more: Farmers Auto Insurance Review).
- Multiple auto insurance coverages: Drivers with a speeding ticket can choose coverages that meet their budget.
Cons
- Lack of local agents: Farmers Insurance may not have local agents in every area.
- Higher rates: Farmers Insurance rates may not be the cheapest for drivers with speeding tickets.
How Speeding Tickets Affect Auto Insurance Rates
How much does a ticket raise your car insurance? The amount your speeding ticket will increase your rates depends upon multiple factors, such as the speed you were going, your past driving record, and your insurance company. However, you can expect your rates to increase by at least 10% for a speeding ticket.
Look at the table below to see how speeding tickets will raise rates at companies compared to rates for a driver with a clean driving record.
Generally, rates will increase a few hundred a year for drivers with a ticket on their record. State Farm and USAA have some of the lowest rate increases for a ticket, whereas companies like Allstate and Farmers have some of the highest rate increases.
Speeding Ticket Rate Increases By State
Car insurance rate increases vary by state, with some states’ average rates being substantially higher than others.
Full Coverage Average Monthly Rates for Drivers With Speeding Tickets by State
State Speeding Ticket
AK $133
AL $137
AR $149
AZ $148
CA $181
CO $144
CT $149
DC $165
DE $191
FL $195
GA $175
HI $107
IA $114
ID $108
IL $123
IN $117
KS $141
KY $180
LA $223
MA $131
MD $163
ME $103
MI $348
MN $155
MO $134
MS $143
MT $133
NC $133
ND $167
NE $140
NH $120
NJ $172
NM $131
NV $144
NY $160
OH $108
OK $156
OR $134
PA $142
RI $180
SC $152
SD $140
TN $104
TX $162
UT $123
VA $104
VT $117
WA $103
WI $119
WV $147
WY $143
So how much does a speeding ticket raise insurance? Rate increases for a speeding ticket generally range anywhere from a few hundred dollars to almost a thousand dollars. If your insurance company increases your rates by more than a few hundred dollars, you may wish to switch companies.
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How Long Speeding Tickets Impact Drivers’ Rates
Because speeding tickets can make rates unaffordable for some drivers, most people want to know when their rates will go back down to a reasonable price. Generally, in most cases, insurance companies will stop using the speeding ticket in your driving record to calculate rates in about three years.
Your rates may also not increase until your next policy renewal if you don’t immediately report the ticket to your insurance company. Are you wondering how insurance companies find out about tickets? Companies will check your driving record every policy renewal, so any new tickets since your last policy renewal will show up as points on your driving record.
Other Traffic Tickets That Increase Auto Insurance Rates
It is not just speeding tickets that will increase your rates. If you get other traffic tickets and a speeding ticket, you can expect huge raises in your insurance rates. Your insurance will raise rates depending on how many points you get with each ticket. Some violations are worse than others and will result in more points.
However, the answer to questions like “How much do two points affect insurance” will depend upon your insurance company and past driving history. So peek below at other common traffic violations that will raise your insurance rates.
Texting Tickets
Not all states allow insurance companies to use texting tickets to change rates. However, companies may use texting tickets to calculate insurance rates in states where texting tickets are considered moving violations.
Red Light Tickets
Red light tickets, where a camera automatically takes a picture of your license plate and sends you a fine in the mail, don’t always mean higher rates. In some states, they aren’t counted as moving violations and therefore won’t raise your rates.
Failure to Stop/Yield Tickets
Failing to stop at a stop sign or failure to yield to oncoming traffic at a yield sign can result in a ticket. If your state treats these tickets as moving violations, you will see a rate increase. In addition, if you cause an accident because you failed to stop or yield, you will see rate increases regardless of your state.
DUI Tickets
DUI charges will result in rate increases, no matter what state you live in. In addition, some drivers with DUIs on their record will have to purchase high-risk insurance to drive, as insurance companies may refuse to sell regular insurance policies to them.
Out-Of-State Tickets
Whether your rates increase depends on whether the other state treats your ticket as a moving violation. If you get a red light ticket in another state that doesn’t add points to your record and is a non-moving violation, it won’t affect your auto insurance rates.
However, running a stop sign in another state where it’s a moving violation will affect your auto insurance rates.
The Final Word on Speeding Tickets and Car Insurance Rates
Speeding tickets will usually always raise a driver’s car insurance rates substantially, as speeding is one of the leading causes of accidents and shows a driver participates in risky driving behaviors. But, generally, once the speeding ticket points are erased from your driving record, your rates will start to decrease.
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— AutoInsurance.org (@AutoInsurance) March 21, 2023
If you received a speeding ticket and want to reduce your insurance rates, one of the best ways to do this is to shop around for cheaper quotes. Use our free quote comparison tool to find your area’s best auto insurance rates.
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Frequently Asked Questions
Will getting multiple tickets impact drivers’ rates?
Yes, getting multiple tickets will raise rates more than if a driver only has one ticket on their record. For each ticket drivers get, the more their rates will rise.
How long will traffic tickets stay on a driver’s record?
Generally, your tickets will affect your insurance rates for three years. After that time, insurance companies will reduce your rates as long as you have maintained a clean driving record.
How can drivers reduce their auto insurance rates after a speeding ticket?
Your rates will decrease over time if you maintain a clean driving record. However, if you wish to know how to lower insurance rates after speeding tickets faster, one of the best ways is to shop around for quotes from different companies to see if one will offer you a cheaper rate.
You can also try to qualify for additional discounts at your current provider, such as participating in a safe driving program. Or you may choose to increase your insurance deductible, as long as the deductible is still an amount you can pay after an accident.
Will parking tickets increase my insurance rates?
Non-moving violations usually do not affect your insurance rates, so a parking ticket will likely not affect your insurance rates.
Will I need to tell my auto insurance company I got a speeding ticket?
You do not need to contact your insurance company to tell it you got a speeding ticket, but because it is on your record, your insurance company will find out at your next renewal and raise your rates. In addition, if you are applying to a new insurance company, you can’t lie about tickets on your record when you fill out the form.
Do other traffic tickets also affect insurance rates?
Yes, other traffic tickets can also impact insurance rates. Violations like texting while driving, running red lights, failure to stop or yield, and DUI charges can all lead to rate increases. The severity of the impact depends on factors like the insurance company’s policies and the specific violation.
Can out-of-state tickets affect auto insurance rates?
Out-of-state tickets can affect auto insurance rates depending on the nature of the violation and how the other state treats it. Non-moving violations or violations that do not add points to your record may not impact your rates. However, moving violations committed in another state can lead to rate increases.
How can I reduce my insurance rates after receiving a speeding ticket?
To reduce your insurance rates after a speeding ticket, it’s recommended to shop around for quotes from different insurance companies. Use a free quote comparison tool to compare rates and find the most affordable options. Additionally, maintaining a clean driving record going forward and taking advantage of any available discounts can also help lower your rates.
Who do auto insurance companies see as the highest-risk drivers?
Any driver who is statistically more likely to get into a crash and file a claim. This includes young drivers, drivers with DUIs, traffic tickets, and more.
What is the cheapest auto insurance for at-fault drivers?
Companies that are usually the cheapest include Geico and State Farm.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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.
