Compare Best Car Insurance Companies for Speeding Tickets in 2024 (Top 10 Companies)
Compare best car insurance companies for speeding tickets with Auto Owners, Progressive, and Farmers. Explore our analysis for details on premiums, benefits, and exclusive discounts designed for this situation.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Feb 12, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Feb 12, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Compare best car insurance companies for speeding tickets with Auto Owners, Progressive, and Farmers. Learn about rate increases and unique strengths like Accident Forgiveness, Snapshot Program, and safety discounts.
You may be worried about your car insurance if you have recently received a speeding ticket. You’re probably wondering if your rates will increase and if you will now have to pay a lot more for your driving privileges. This may also lead you to be interested in looking for the best insurance companies for speeding tickets on a record.
Company | Rank | See Pros/Cons | Accident Forgiveness | Safe Driver Discounts | Best For |
---|---|---|---|---|---|
#1 | Auto Owners | Up to 12% | Up to 17% | Accident Forgiveness | |
#2 | Progressive | Up to 15% | Up to 20% | Snapshot Program | |
#3 | Farmers | Up to 10% | Up to 14% | Safe Driving | |
#4 | Liberty Mutual | Up to 14% | Up to 18% | Multi-Policy Discounts | |
#5 | State Farm | Up to 13% | Up to 16% | Extensive Agent | |
#6 | Safeco | Up to 11% | Up to 15% | Diminishing Deductible | |
#7 | Travelers | Up to 13% | Up to 17% | Intellidrive Program | |
#8 | AAA | Up to 11% | Up to 16% | Membership Benefits | |
#9 | Hartford | Up to 16% | Up to 22% | RecoverCare Assistance | |
#10 | Geico | Up to 12% | Up to 18% | DriveEasy Program |
#1 – Auto Owners: Forging Ahead With Accident Forgiveness
Auto Owners stands out as the top choice for handling speeding tickets, offering Accident Forgiveness that minimizes rate increases and provides substantial discounts for maintaining safe driving habits.
Brad Larson Licensed Insurance Agent
Pros
- Accident forgiveness: Offers up to 12% discount and up to 17% for safe driving with accident forgiveness, providing financial relief after an incident.
- Competitive rates: Auto Owners stands out for providing competitive rates, making it an attractive option for budget-conscious drivers.
- Flexible coverage: Allows for personalized coverage options, ensuring drivers can tailor their policies to meet individual needs.
Cons
- Limited online presence: Auto Owners might be less accessible for tech-savvy users, as it has a comparatively limited online platform.
- Regional availability: Its services may be restricted to specific regions, potentially limiting availability for drivers in certain areas.
Read more: Auto Owners Car Insurance Review
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#2 – Progressive: Innovation in Action
Pros
- Snapshot program: Progressive’s Snapshot Program provides up to 15% discount, allowing safe drivers to save significantly on their premiums.
- High safe driver discounts: Offers a generous up to 20% discount for safe drivers, promoting and rewarding good driving habits.
- Innovative Technology: Utilizes cutting-edge technology in the Snapshot Program, appealing to tech-savvy customers seeking a data-driven approach.
Cons
- Varied customer service reviews: Customer service experiences can be inconsistent, with some customers reporting issues in communication and support.
- Price fluctuations: Progressive’s rates may vary widely based on individual circumstances, making it essential to regularly review and compare quotes.
Read more: Progressive Car Insurance Review
#3 – Farmers: Safety First
Pros
- Safe driving discounts: Farmers offers up to 10% discount for safe driving, rewarding customers with a clean driving record.
- Customizable policies: Known for providing a range of coverage options, Farmers allows customers to tailor policies to their specific needs.
- Multi-policy discounts: Offers discounts, providing additional savings when bundling home and car insurance policies.
Cons
- Limited digital experience: Farmers may have a less intuitive online interface compared to some competitors, potentially affecting user experience.
- Coverage gaps: Some policyholders report gaps in coverage or misunderstandings about the extent of their policies, requiring thorough policy review.
Read more: Farmers Car Insurance Review
#4 – Liberty Mutual: Savings Unleashed
Pros
- Multi-Policy discounts: Liberty Mutual stands out with up to 18% discounts for multi-policy holders, offering substantial savings for bundling insurance needs.
- Robust coverage options: Known for providing a wide array of coverage options, Liberty Mutual allows customers to customize policies to suit their specific requirements.
- User-friendly online platform: Offers a user-friendly online experience, making it convenient for policyholders to manage their accounts and access information.
Cons
- Variable customer service: Customer service experiences may vary, with some customers reporting challenges in communication and claims processing.
- Policy cost: While offering discounts, Liberty Mutual’s base premiums might be relatively higher compared to some competitors.
Read more: Liberty Mutual Car Insurance Review
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#5 – State Farm: Agents of Assurance
Pros
- Extensive agent network: State Farm’s extensive agent network provides personalized service, making it convenient for customers who prefer a more hands-on approach.
- Safe driver discounts: Offers up to 16% discounts for safe drivers, encouraging and rewarding good driving habits.
- Customizable policies: State Farm allows policyholders to tailor coverage to their unique needs, ensuring flexibility in meeting individual requirements.
Cons
- Potentially higher rates: Some customers report that State Farm’s rates may be higher compared to other insurers, especially for certain demographics.
- Online experience: While improving, the online experience may not be as seamless or feature-rich as some of its competitors.
Read more: State Farm Car Insurance Review
#6 – Safeco: Driving Confidence
Pros
- Diminishing deductible: Safeco’s diminishing deductible feature rewards safe driving with reductions in deductible amounts over time, providing an incentive for maintaining a clean record.
- Customized coverage: Known for offering customizable coverage options, Safeco allows policyholders to tailor their insurance to fit their unique needs.
- Claims satisfaction: Receives positive reviews for claims satisfaction, indicating a relatively smooth process for handling claims.
Cons
- Limited availability: Safeco may not be available in all states, potentially restricting access for customers in certain regions.
- Average safe driver discounts: While offering safe driver discounts, Safeco’s percentages may be relatively lower compared to some competitors.
Read more: Safeco Car Insurance Review
#7 – Travelers: Smart Moves
Pros
- Intellidrive program: Offers up to 17% discounts through the Intellidrive Program, appealing to tech-savvy customers interested in usage-based insurance.
- Multi-policy discounts: Provides additional savings through multi-policy discounts, encouraging customers to bundle their insurance needs.
- Financial stability: Known for its financial stability, Travelers provides assurance that it can meet its financial obligations.
Cons
- Customer service challenges: Some customers report challenges in customer service responsiveness and claim processing.
- Limited local agents: While offering online services, Travelers may have fewer local agents, potentially affecting customers who prefer in-person assistance.
Read more: Travelers Car Insurance Review
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#8 – AAA: Beyond Insurance
Pros
- Membership benefits: AAA offers unique membership benefits beyond insurance, including roadside assistance and travel discounts, providing added value to policyholders.
- Safe driver discounts: Provides up to 16% discounts for safe driving, promoting and rewarding good driving habits.
- Established reputation: With its long-established reputation, AAA brings a sense of trust and reliability to its insurance offerings.
Cons
- Membership required: To access insurance, customers need to be AAA members, potentially limiting accessibility for those not interested in additional membership fees.
- Policy cost: While offering discounts, AAA’s premiums might be relatively higher compared to some competitors.
Read more: AAA Car Insurance Review
#9 – Hartford: Healing Hands
Pros
- Recovercare assistance: Stands out with up to 22% discounts and Recovercare Assistance, providing additional support for policyholders recovering from accidents.
- Competitive safe driver discounts: Offers up to 16% discounts for safe driving, promoting and rewarding good driving habits.
- Customizable policies: Known for providing a range of coverage options, allowing customers to tailor policies to their specific needs.
Cons
- Variable customer service: Customer service experiences may vary, with some customers reporting challenges in communication and claims processing.
- Policy cost: While offering discounts, Hartford’s base premiums might be relatively higher compared to some competitors.
#10 – Geico: Driving Smart
Pros
- Driveeasy program: Geico offers up to 18% discounts through the Driveeasy program, utilizing telematics to reward safe driving habits.
- Competitive rates: Geico is known for providing competitive rates, making it an attractive option for budget-conscious drivers.
- Digital innovation: Geico’s strong digital presence and online tools provide convenience for policyholders managing their accounts.
Cons
- Limited agent interaction: Customers seeking personalized, face-to-face interactions may find Geico’s reliance on digital channels less appealing.
- Variable customer service: Customer service experiences may vary, with some customers reporting challenges in communication and claims processing.
Read more: Geico Car Insurance Review
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What are the best insurance companies if you have speeding tickets?
Unfortunately, all insurance companies are likely to increase your rates when it’s found out you have a speeding ticket. For example, if you have Geico and a speeding ticket, they will no doubt raise your current rate. Your best solution here is to shop around and compare the rates given your new situation and look at other discounts to help you reduce the total cost of your bill.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Auto Owners | $40 | $105 |
Progressive | $52 | $140 |
Farmers | $66 | $173 |
Liberty Mutual | $81 | $212 |
State Farm | $37 | $96 |
Safeco | $34 | $89 |
Travelers | $51 | $134 |
AAA | $41 | $108 |
Hartford | $52 | $136 |
Geico | $39 | $106 |
Exploring car insurance coverage rates reveals distinct offerings among top providers. Auto Owners provides budget-friendly options at $40 for minimum and $105 for full coverage. Progressive strikes a balance at $52 for minimum and $140 for full coverage with benefits from the Snapshot Program.
Farmers positions itself with rates starting at $66 for minimum and $173 for full coverage. Liberty Mutual focuses on comprehensive security at rates starting from $81 for minimum to $212 for full coverage. State Farm offers cost-effective choices at $37 for minimum and $96 for full coverage. Safeco emphasizes economy at $34 for minimum and $89 for full coverage.
Travelers combines affordability with the Intellidrive Program at $51 for minimum and $134 for full coverage. AAA balances pricing and membership benefits, starting at $41 for minimum and reaching $108 for full coverage. Hartford stands out with competitive rates and RecoverCare Assistance at $52 for minimum and $136 for full coverage.
Geico maintains affordability without compromise at $39 for minimum and $106 for full coverage. These specific rates showcase the nuanced offerings, enabling drivers to align their choices with both financial considerations and coverage needs.
If you get a speeding ticket, do insurance companies need to know?
While you do not have to go out of your way to inform the insurance company, you should always be truthful if asked during any application for coverage. Also, insurance companies will check the department of motor vehicles (DMV) record in your state from time to time or when you apply for a new policy. If you have points related to excessive speed, this will also trigger an increase.
Can you take a driving course to offset a speeding ticket?
Some states allow you to take a safe driver course, open to those with a moving violation that is not overly serious (such as carelessness, negligence, or a DUI.). According to the Michigan Department of State, they offer a Basic Driver Improvement Course. If you successfully pass this course, they’ll send a notification to the Department of State, and the DMV will not add the related points to your driver’s record.
In addition, they won’t show the ticket information to the insurance companies. While a certain amount of information will remain on your record, this will only be visible to the courts. Note you would still have to pay court fees or fines, even if you pass the improvement course.
In Washington D.C., the government also has a defensive driving course that you can take online. If you pass this, you can apply to have your points removed from the driving record, and according to the official website, you can take the course to “avoid insurance premium increases.” Still, such a decision is down to the insurance company.
In most cases, you will not be eligible to take a defensive driver course if you have multiple traffic infractions or speeding violations. For example, you cannot take the Michigan course if you have already avoided points by using the program in the past.
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Case Studies: Navigating Insurance Solutions in Smart Driving and Savings
Case Study 1: Auto Owners – Grace Under Pressure
John, a meticulous driver, faced the unexpected challenge of a speeding ticket. Concerned about rising insurance rates, he turned to Auto Owners for a solution. Auto Owners provided John with Accident Forgiveness, offering up to 12% discount on his premiums and up to 17% for maintaining safe driving habits.
Despite the speeding incident, John experienced minimal impact on his rates, showcasing the effectiveness of Auto Owners’ Accident Forgiveness feature. John not only avoided a significant rate increase but also appreciated the personalized approach and financial relief offered by Auto Owners.
Case Study 2: Progressive – Innovation in Savings
Emma, a tech-savvy driver, sought a car insurance solution that aligned with her safe driving habits. Progressive’s Snapshot Program caught her attention. Emma enrolled in the Snapshot Program, where her driving behavior was monitored using innovative telematics. Progressive rewarded her with up to 15% discounts, reflecting her commitment to safe driving.
Emma enjoyed not only reduced premiums but also a sense of control over her insurance costs. Progressive’s Snapshot Program provided a unique, data-driven approach tailored to her driving style.
Case Study 3: Farmers – Safe Driving and Smart Savings
Alex, a conscientious driver, prioritized safety on the roads. Despite a past speeding ticket, he sought an insurance provider that valued and rewarded safe driving habits. Farmers’ Safe Driving discounts appealed to Alex. With rates starting at up to 10% off for safe driving, he found a balance between affordability and quality coverage.
Alex not only secured a competitive rate but also appreciated the acknowledgment of his safe driving efforts. Farmers’ emphasis on safe driving aligned perfectly with his values, making it the ideal choice for his insurance needs.
How long do points from speeding tickets stay on your record?
This will vary according to the state you live in. For example, points will stay on your driving record for two years in Washington D.C.
What about car insurance discounts to help offset the increase?
When it comes to car insurance and speeding tickets, it’s difficult to avoid a rate increase. However, you may be able to apply for discounts or even stack multiple discounts, to bring your increasing rate back down.
For example, you may get a discount if you can pay in full when you start your policy. If you have multiple vehicles in the same household, this may also qualify for a lower rate. Some insurance companies may offer discounts if you sign up for automatic or direct debit payment. Since there are various car insurance payment methods, this might be a nice benefit if you can take advantage.
In addition, others may be willing to reduce your rate if you fit anti-theft devices into your vehicle.
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What is the impact of a speeding ticket on your car insurance?
Most insurance companies will increase the cost of your car insurance if a court convicts you of speeding. You should shop around to compare rates or see if you can get some additional discounts to help offset the increase. Some jurisdictions may allow you to take a defensive driving course that may help you to avoid any insurance hike.
Frequently Asked Questions
What are the best insurance companies if you have speeding tickets?
All insurance companies are likely to increase your rates, but shopping around and comparing rates can help you find the best option.
Do insurance companies need to know if you get a speeding ticket?
While you don’t have to go out of your way to inform them, you should always be truthful if asked during any application for coverage.
Can you take a driving course to offset a speeding ticket?
Some states offer safe driver courses that can help offset points from a speeding ticket and potentially avoid insurance premium increases.
How long do points from speeding tickets stay on your record?
The duration of points on your record varies by state. In Washington D.C., for example, points stay on your driving record for two years.
What is the impact of a speeding ticket on your car insurance?
Most insurance companies will increase the cost of your car insurance, so it’s important to compare rates and explore discounts to offset the increase.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
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.