Best Car Insurance Company for Speeding Tickets (Deals & Tips)
The best car insurance companies for speeding tickets are USAA, GEICO, American Family, and Nationwide. If you have multiple speeding tickets, your auto insurance rates may increase by 25%. Shop around and compare quotes to qualify for discounts at the best auto insurance companies for speeding tickets.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jan 31, 2022
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- One speeding ticket has the least impact on car insurance quotes
- Multiple speeding tickets can increase your car insurance rates by 25%
- Speeding tickets remain on your driving record for two to three years
Are you looking for the best auto insurance companies for speeding tickets? Speeding tickets have a small effect on car insurance, but too many tickets can drive up rates for drivers.
But don’t worry – we’ll show you how to get the best car insurance with speeding tickets and how to find affordable car insurance for high-risk drivers.
After you learn about the best car insurance companies for speeding tickets, enter your ZIP code in the free online quote tool above to compare multiple companies near you.
Table of Contents
What are the best car insurance companies for speeding tickets?
It’s challenging to shop for the best car insurance for bad driving records. If you have a single speeding ticket because you only exceeded the speed limit once, you shouldn’t see too much of an insurance rate increase.
The best way to determine whether a car insurance company is cheaper is to compare it to other companies.
Let’s review an example of how different driving records impact car insurance quotes with speeding tickets.
| Companies | Monthly Rates with a Clean Driving Record | Monthly Rates w/ One Speeding Violation |
|---|---|---|
| Allstate | $318 | $374 |
| American Family | $224 | $252 |
| Farmers | $288 | $340 |
| GEICO | $179 | $220 |
| Liberty Mutual | $398 | $475 |
| Nationwide | $229 | $259 |
| Progressive | $283 | $334 |
| State Farm | $235 | $266 |
| Travelers | $287 | $355 |
| USAA | $161 | $183 |
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USAA insurance has the most affordable car insurance rates with speeding tickets. But you can’t get a USAA auto insurance policy unless you’re a veteran or in the immediate family of someone in the military, so it isn’t the most accessible insurance for drivers.
GEICO and State Farm are among the cheapest companies on the list. However, your rates are determined by several factors that insurance carriers will consider.
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What are some discounts for lower car insurance for at-fault car accidents?
The cheapest car insurance with speeding tickets is the policy that has many discounts stacked against monthly rates.
Here are a few deals you can use when you have a bad driving history.
- Automatic Payments Discount – At least 2%
- Anti-Theft Features Discount – Varies
- Multi-Vehicle Discount – Varies
- Multi-Policy Discount – Up to 25%
- Paperless Billing Discount – At least 2%
- Pay-In-Full Discount – Up to 5%
- Safety Features Discount – Up to 15%
If you have multiple speeding violations or too many major violations on your record, you won’t qualify for a defensive driving discount. It really depends on the specific company and what type of violation, if any, you have on your record.
When you can qualify for other car insurance bargains, you can save hundreds of dollars per month. These variety of discounts are just some examples. Different auto insurers will have varying insurance discounts available.
Compare multiple companies until you find a company with a lot of opportunities to save money. Comparison shopping is the best way to make decisions with confidence when it comes to purchasing cheap car insurance.
Why does a bad driving record impact car insurance rates?
Your driving record is a reflection of your driving behavior. A poor driving history indicates that a person has bad driving habits.
The best insurance companies issue more expensive monthly rates because the driver has a higher chance of filing claims.
A single ticket doesn’t produce a significant increase in auto insurance costs ad shouldn’t interfere with you finding the cheapest rates. However, multiple speeding tickets within two years can raise your rates.
How long does a speeding ticket stay on my driving record?
Speeding violations have a different effect in each state. Any speeding ticket can last at least one year on your driving record. But let’s look at how each state responds to speeding infractions on your driving history.
| States | Years on Driving Record |
|---|---|
| Alabama | 2 years for points to be removed for suspension, but the incident is permanent on your record |
| Alaska | 1 year |
| Arizona | 1 year |
| Arkansas | 3 years |
| California | 3 years and 3 months (39 months) |
| Colorado | Can reduce points, but the incident is permanent on record |
| Connecticut | 3 years |
| Washington, D.C. | 2 years |
| Delaware | 2 years |
| Florida | 5 years |
| Georgia | 2 years |
| Hawaii | 10 years |
| Idaho | 3 years |
| Illinois | Up to 5 years |
| Indiana | 2 years |
| Iowa | 5 years |
| Kansas | 3 years |
| Kentucky | 5 years, but points removed after 2 years |
| Louisiana | 3 years |
| Maine | 1 year |
| Maryland | 3 years |
| Massachusetts | 6 years |
| Michigan | 7 years |
| Minnesota | 5 to 10 years |
| Mississippi | 1 year |
| Missouri | 3 years |
| Montana | Points removed after 3 years, but conviction is permanent on record |
| Nebraska | 5 years |
| Nevada | Points removed after 1 year, but conviction is permanent on record |
| New Hampshire | 3 years |
| New Jersey | 5 years |
| New Mexico | 1 year |
| New York | 1.5 years |
| North Carolina | 3 years |
| North Dakota | 3 years |
| Ohio | 2 years toward suspension, but incident is permanent on record |
| Oklahoma | Up to 3 years |
| Oregon | 2 years |
| Pennsylvania | 1 year |
| Rhode Island | 3 years |
| South Carolina | 2 years |
| Tennessee | 2 years |
| Texas | 3 years |
| Utah | 3 years |
| Vermont | 2 years |
| Virginia | 5 years |
| Washington | 5 years |
| West Virginia | 5 years, but points removed after 2 years |
| Wisconsin | 5 years |
| Wyoming | 1 year |
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Hawaii and Minnesota hold on to speeding violations the longest. If you get auto insurance in those two states, your car insurance rates may receive a slight increase for the next 10 years.
With the right discounts, you can dissolve that increase using auto insurance deals.
But what if you’re a high-risk driver? The high-risk pool is for motorists who have poor driving records.
Read on to learn more about companies that provide high-risk auto insurance.
Where can I buy high-risk car insurance?
High-risk auto insurance carries the minimum auto insurance requirements, but it’s more expensive than standard insurance.
According to the National Association of Insurance Commissioners (NAIC), liability-only car insurance costs $46 per month on average.
High-risk insurance can increase your insurance rates by 278, but some of the best high-risk auto insurance companies can get you a lower rate.
Check out the list below to see the best companies for high-risk car insurance.
- Dairyland
- Auto-Owners Insurance
- The General
- Direct Auto
The best way to save on high-risk car insurance is to get liability-only coverage.
If you finance your vehicle, you’re required to have full coverage. Look for discounts that will help you get to affordable auto insurance rates.
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Why am I considered a high-risk driver to car insurance companies?
Several factors determine your auto insurance rates. For high-risk drivers, there are other specifics car insurance companies consider.
Let’s review a list of those factors.
- Age (15 to 24 years old)
- At-fault claims
- Bad credit
- DUI Convictions
- Gaps in coverage
- License points
- Location
- Reckless driving infractions
- Speeding violations
- Vehicle type
- Miles driven
At-fault claims have a more significant impact than speeding tickets. If you get high-risk car insurance, try to minimize unsafe driving habits so you can get to cheaper rates much faster.
Best Car Insurance Companies for Speeding Tickets: The Bottom Line
The best auto insurance company for speeding tickets is the one that can meet your budget and coverage needs. Sometimes the cheapest company isn’t always the best.
Be prepared for more expensive car insurance if you have multiple speeding violations.
Now that you know more about the best car insurance companies for speeding tickets, use our free online quote tool to compare the top insurance companies in your area.