Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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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. 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.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 20, 2021

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The Lowdown

  • A speeding ticket can raise your auto insurance rates by an average of $45 a month
  • USAA and GEICO offer the best car insurance if you have speeding tickets or a clean record
  • Take advantage of car insurance discounts to lower rates after a speeding ticket

Auto insurance companies pay close attention to your driving record. Speeding tickets and accidents can show that you are a risky or aggressive driver, which means you will pay higher rates.

The best auto insurance companies for speeding tickets will vary by driver since each company will weigh your speeding tickets differently.

Even if you have speeding tickets on your record, you should still shop around to find the best auto insurance for speeding tickets.

Enter your ZIP code now to compare free quotes from the best auto insurance companies for speeding tickets in your area.

What are the best auto insurance companies for speeding tickets?

Your driving record is the most significant factor in determining your auto insurance rates since it is an indicator of how you will drive in the future.

One reason that car insurance companies care about speeding tickets is the number of accidents and deaths that are speed-related.

In fact, there were almost 10,000 people killed in speed-related accidents in 2019 according to the National Highway Traffic Safety Administration.

Drivers with speeding tickets will pay higher rates. This table shows you average annual rates from the best auto insurance companies for speeding tickets.

Average Annual Auto Insurance Rates with One Speeding Ticket
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 Speeding Violation
Allstate$3,819.90$4,483.51
American Family$2,693.61$3,025.74
Farmers$3,460.60$4,079.01
GEICO$2,145.96$2,645.43
Liberty Mutual$4,774.30$5,701.26
Nationwide$2,746.18$3,113.68
Progressive$3,393.09$4,002.28
State Farm$2,821.18$3,186.01
Travelers$3,447.69$4,260.80
USAA$1,933.68$2,193.25
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The best insurance for speeding tickets is from USAA and GEICO. They charge the lowest rates after a speeding ticket, but your rates will go up an average of $45 a month.

If you have multiple tickets, your rates will go up even more. Car insurance with a bad driving record is very expensive since you may be considered a high-risk driver.

What other factors affect your auto insurance rates?

We’ve talked about how important your driving record is when it comes to your auto insurance rates, but there are other factors at play as well.

Age is another important factor that affects your rates. If you are a young driver, you lack experience and that can lead to accidents. However, if you are a much older driver, your medical condition may also lead to accidents.

Where you live, marital status, and the type of vehicle you drive also impacts your rates.

In most states, even your gender and credit score can affect your car insurance rates.

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How can drivers with speeding tickets save money on auto insurance?

The best way to save money on auto insurance is to clean up your driving record. Start obeying speed limits and practice safe driving skills to avoid accidents.

Drivers can also take a defensive driving course to have points removed from their driving records. Not only can you learn safe driving tips, but you can also lower your rates.

Auto insurance discounts are another great way to keep your rates low. Most companies offer many different types of discounts and allow you to combine them for maximum savings.

This table shows you the most common discounts from the top auto insurance companies. If the amount of the discount is known, it is listed.

Auto Insurance Discounts from Top Companies
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Taking part in a telematics program can also lower your rates. You will get immediate feedback from the program which can help you pay attention to your speeding. You can also earn a discount for scoring well.

The Best Auto Insurance Companies for Speeding Tickets: The Bottom Line

The best car insurance company for you after a speeding ticket will depend on your personal insurance factors. However, you can still save money on your auto insurance by taking advantage of discounts.

Compare quotes from the best auto insurance companies for speeding tickets to find the cheapest coverage for you. Look at multiple companies to see who can offer you the best deal.

Now that you know which auto insurance companies are the best for speeding tickets, enter your ZIP code to compare quotes from companies near you for free.