Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 7, 2021

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Key Takeaways

  • GEICO is often one of the cheapest car insurance companies for drivers with a speeding ticket
  • Other options may include State Farm, Nationwide, and Progressive
  • Your car insurance rates may increase between 15% and 30%, depending on your insurance company and the state in which you live

Car insurance companies are likely to increase rates if you have a speeding ticket or other violations on your driving record. While just one speeding ticket can cause a noticeable increase in rates, it is still possible to find affordable car insurance.

Read below to learn about the best car insurance companies for speeding tickets, how a speeding ticket can affect your car insurance rates, and how you can save money after a speeding ticket.

If you need help finding a car insurance company for speeding tickets, enter your ZIP code into our free quote comparison tool above.

What are the best car insurance companies for speeding tickets?

It’s no secret that having a speeding ticket on your driving record will increase your car insurance rates. However, some companies are more tolerant of drivers with speeding tickets than others.

One of the biggest criteria for choosing a car insurance company for speeding tickets is how much the company will increase your rates.

In many cases, for drivers with one or more speeding tickets, GEICO car insurance is a good option. GEICO is already known for its low rates compared to other major car insurance companies, and it also tends to have lower rates for drivers with bad driving records.

GEICO can also be a good option for drivers that get ticketed for running stop signs, racing, and reckless or careless driving.

State Farm and Nationwide are also good options, although they may have slightly higher rates than GEICO, and you may also see a slightly higher increase in rates after a speeding ticket.

Progressive is also tolerant of drivers with bad driving records that include speeding tickets and more serious violations, such as DUIs and at-fault accidents.

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How does a speeding ticket affect car insurance rates?

Car insurance rates for speeding tickets are going to be higher than car insurance rates for drivers with clean driving records. However, speeding tickets have some of the lowest rate increases compared to other driving and traffic violations.

Two main factors go into how much your rates will increase:

  1. your insurance company
  2. your state insurance laws

Depending on which car insurance company you have your policy with, your car insurance rates could increase between 15% and 30%, with most companies having increases around 20%-25%.

Best Companies Based on Rates for Driving Record
CompanyClean RecordWith One Speeding TicketWith One AccidentWith One DUI
American Family$2,693.61$3,025.74$3,722.75$4,330.24
Liberty Mutual$4,774.30$5,701.26$6,204.78$7,613.48
State Farm$2,821.18$3,186.01$3,396.01$3,636.80
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However, you may still pay less with a company that has a lower base rate but a higher percentage increase after a speeding ticket, so it’s important to take all of this into account.

Each state may also vary on how much your car insurance rates will increase after a speeding ticket. For example, drivers in North Carolina and Michigan are likely to see much higher increases than drivers in Hawaii or Pennsylvania.

How long does a speeding ticket affect your insurance rates? Generally, your rates will remain high between three and five years.

When will a speeding ticket show up on insurance? This depends on when your insurance company reviews your driving record. It could take several months before your insurer notices the speeding ticket.

How can I save money on car insurance with speeding tickets?

If you’re wondering how to lower insurance after a speeding ticket, there are plenty of strategies you can use. However, your options will vary depending on your company and the severity of your speeding ticket.

You may want to first review your level of coverage. If your car is valued under $4,000, and you are not paying for a loan or lease, you may consider dropping collision and comprehensive coverage. You could also increase your deductible to decrease your monthly rates.

You should also consider not filing a claim when you are in an at-fault accident. If you can afford to pay for out-of-pocket expenses, this could prevent your rates from increasing dramatically. 

While you likely won’t qualify for safe driving discounts, there may be other discounts that you can take advantage of to keep your rates low. Some companies may give you a discount for taking a defensive driving course.

How can I buy car insurance for speeding tickets?

Even though a speeding ticket could increase your insurance rates, it is unlikely that it would disqualify you from buying car insurance from major car insurance companies.

Your best option to find affordable car insurance for speeding tickets is to compare as many companies as possible.

However, if you have more violations on your driving record and you’re designated a high-risk driver, or if your state requires that you file an SR-22, you may need to find an insurance company that specializes in high-risk car insurance, such as The General or Titan Insurance.

Enter your ZIP code into our free quote comparison tool below to find car insurance quotes for speeding tickets.