Best Car Insurance Companies for People With Speeding Tickets in 2022

The best car insurance companies for speeding tickets include GEICO, Progressive, Nationwide, and more. Even a first-time speeding ticket can increase your insurance rates and stay on your driving record for at least a year. However, stacking multiple discounts and minimizing at-fault claims help lower your raised monthly insurance rates after a speeding ticket. Compare multiple quotes and companies to find the best car insurance company for speeding tickets.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jan 27, 2022

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Here's what you need to know...

  • Speeding tickets increase your car insurance rates, even for a first offense
  • The best car insurance companies for speeding tickets include GEICO, Progressive, Nationwide, and more
  • Stacking multiple discounts is one of the best ways to reduce your raised car insurance rates after a speeding ticket

Although they are pretty common, speeding tickets are traffic violations that will ultimately raise your car insurance rates. Having traffic violations on your record makes it difficult to find cheap car insurance rates.

If you have enough violations on your record, insurers may consider you a high-risk driver, making it hard to find car insurance coverage at an affordable rate. Understanding your car insurance policy is critical in knowing how it may change after a violation.

Fortunately, car insurance companies don’t skyrocket your premiums after a speeding violation and ways to keep your rates low after one.

Keep reading to learn more about the best car insurance companies for speeding tickets, including how to find affordable car insurance for high-risk drivers, rates, and more.

After learning about the best car insurance companies for speeding tickets, enter your ZIP code into our free online quote tool for instant car insurance quotes from multiple companies near you.

What are the best car insurance companies for speeding tickets?

Because even a first violation speeding ticket raises your car insurance rates, it can be a challenge to find cheap car insurance for speeding tickets.

However, a great way to find the best car insurance companies for speeding tickets is to comparison shop. Comparing car insurance quotes from multiple companies narrows down your options to only the best insurance for your needs.

The following table includes car insurance rates for drivers with clean records and one speeding violation from multiple companies.

Average Monthly Car Insurance Rates by Company and Speeding Violations
CompaniesMonthly Rates with a Clean Driving RecordMonthly 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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Although one speeding violation doesn’t raise your car insurance rates dramatically, it does increase your rates. The extra money you spend on your rates each month after a speeding ticket adds up over time.

Check out our company reviews if you would like to know more about GEICO car insurance, State Farm car insurance, USAA auto insurance, or the other companies listed above.

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How can I save on car insurance after a speeding ticket?

Even a first-violation speeding ticket will raise your monthly car insurance rates. However, there are plenty of ways in which you can lower your rates after a speeding ticket.

Discounts

After your rates increase from a speeding ticket, the first thing you should do is seek out car insurance discounts. Some of the best car insurance companies for speeding tickets offer various discounts from which you can choose.

Discounts that help tremendously with increased rates from a speeding ticket include:

  • Pay-In-Full Discount
  • Multi-Policy Discount
  • Multi-Vehicle Discount
  • Safety Features Discount
  • Paperless Billing Discount
  • Anti-Theft Features Discount
  • Automatic Payments Discount

In some situations, you can stack multiple car insurance discounts on top of one another to lower rates even more. Also, it is essential to note that you will not qualify for a defensive driver discount with numerous speeding violations or other traffic infractions.

Be sure to talk with your car insurance agent and compare multiple car insurance companies until you find the best fit for you.

Keep Claims to A Minimum

Because a speeding ticket raises your rates, be sure to refrain from driving behavior that could lead to another accident or violation. Specifically, steer clear of filing an at-fault claim.

The best way to stay away from at-fault claims is not to have an accident in the first place. Maintaining safe driving habits, like not texting or drinking and driving, speeding, and more, will keep your claims to a minimum.

However, should you cause an accident, consider your options rather than filing an at-fault claim right away. If you can pay for the damages out-of-pocket, this is always a less expensive option than going through your insurance company.

Unfortunately, the other driver may not want to pay out-of-pocket. In this case, you have to go through your insurance. Also, uninsured motorist property damage and comprehensive claims are considered not-at-fault accidents and don’t impact your premiums as much.

How long does a speeding ticket stay on my record?

Speeding tickets can stay on your driving record for at least one year. However, the duration of the ticket on your record varies with each state.

Check out the following table for how long a speeding ticket stays on your record in each state.

Duration of Speeding Violations on Your Driving Record by State
StatesYears on Driving Record
Alabama2 years for points to be removed for suspension, but the incident is permanent on your record
Alaska1 year
Arizona1 year
Arkansas3 years
California3 years and 3 months (39 months)
ColoradoCan reduce points, but the incident is permanent on record
Connecticut3 years
Washington, D.C.2 years
Delaware2 years
Florida5 years
Georgia2 years
Hawaii10 years
Idaho3 years
IllinoisUp to 5 years
Indiana2 years
Iowa5 years
Kansas3 years
Kentucky5 years, but points removed after 2 years
Louisiana3 years
Maine1 year
Maryland3 years
Massachusetts6 years
Michigan7 years
Minnesota5 to 10 years
Mississippi1 year
Missouri3 years
MontanaPoints removed after 3 years, but conviction is permanent on record
Nebraska5 years
NevadaPoints removed after 1 year, but conviction is permanent on record
New Hampshire3 years
New Jersey5 years
New Mexico1 year
New York1.5 years
North Carolina3 years
North Dakota3 years
Ohio2 years toward suspension, but incident is permanent on record
OklahomaUp to 3 years
Oregon2 years
Pennsylvania1 year
Rhode Island3 years
South Carolina2 years
Tennessee2 years
Texas3 years
Utah3 years
Vermont2 years
Virginia5 years
Washington5 years
West Virginia5 years, but points removed after 2 years
Wisconsin5 years
Wyoming1 year
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Some states hold on to speeding tickets a lot longer than others and could leave you with raised car insurance rates for years. Fortunately, you can absolve some of the increase by stacking discounts.

If your car insurance rates have skyrocketed after a speeding ticket, talk with your insurance agent to find the best car insurance companies for speeding tickets.

The Best Car Insurance Companies for Speeding Tickets: the Bottom Line

Speeding tickets, even a first offense, raise your monthly car insurance rates. Fortunately, the best car insurance companies for speeding tickets are not too hard to find.

The best car insurance companies for speeding tickets include GEICO, Progressive, Nationwide, and more, and they offer plenty of discounts that will help lower your monthly rates.

Some of the discounts you should look into after a speeding ticket are multi-policy, multi-vehicle, anti-theft features, and more. Stacking multiple discounts is the best way to lower your car insurance rates after a speeding ticket.

It is also in your best interest to maintain safe driving habits and keep your claims to a minimum after a speeding ticket. Any at-fault claims on your driving record will spike your insurance and will result in losing some of your discounts.

Be sure to talk with your car insurance agent about your options after a speeding ticket. A conversation with your agent will guide you in the direction that will benefit you the most.

Ready to find the best car insurance companies for speeding tickets? Enter your ZIP code into our free online tool for instant car insurance quotes from companies near you today.

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