The best car insurance companies for speeding tickets

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A speeding ticket will increase your car insurance rates. But how much it goes up depends on several factors, including the insurance company you choose to work with and how fast you were going.

Among the major carriers we analyzed, USAA, State Farm, Geico, and Nationwide offer relatively cheaper rates after a speeding ticket. Remember that USAA is only available to military members and their families.

“Every insurance company has a different rating system and matrix for violations and each type of violation will cause varying rate increases. In addition, if you fall into a less desirable tier (due to credit score and other factors) with your auto insurance company, a ticket on your record will probably cause your rates to go up more than someone who is in a preferred tier,” says Charlotte Burr, Agency Co-owner, AZ InsuranceTeam in Tempe.

Key Takeaways

After a speeding ticket, drivers can find the cheapest rates through USAA, Nationwide, Geico and State Farm.
Drivers with a single speeding ticket see their car insurance rates increase by an average of 36%.
For drivers with more than one speeding ticket on their driving record, expect to pay 58% more for car insurance.

Cheap car insurance for drivers with a speeding ticket

USAA offers the cheapest car insurance to drivers with a speeding ticket, with average rates of $1,501 after a speeding ticket for 1 to 10 MPH over the limit and $1,514 after a speeding ticket for 11 to 29 MPH over the limit. However, USAA is only available to military members, veterans, and immediate family members.

Nationwide offers the next cheapest average rates after a speeding ticket of 11 to 29 MPH over the limit at $2,002. For those with a speeding ticket of 1 to 10 MPH over the limit, Geico offers the next cheapest average rates at $1,754 per year.

The table shows how much each insurance company charges for drivers with speeding tickets.

Company	Annual rate (no tickets)	Annual rate, one speeding ticket 1-10 MPH over	Annual rate (one speeding ticket, 11-29 MPH over)
USAA	$1,263	$1,501	$1,514
Geico	$1,356	$1,754	$2,385
State Farm	$1,672	$1,941	$2,020
Nationwide	$1,530	$1,964	$2,002
Travelers	$1,867	$2,477	$2,733
Progressive	$1,984	$2,698	$2,711
Allstate	$2,510	$2,966	$2,967
Farmers	$2,809	$2,668	$3,698

Average annual car insurance premiums with a speeding ticket

Finding affordable car insurance with a speeding ticket on your driving record may take some extra work, but it’s still possible. Auto insurance companies use your driving history to determine the level of risk you pose as a driver, and a speeding ticket can indicate that you are more likely to get into an accident.

A single speeding ticket on your driving record can increase your rates by over $1,000 a year. However, the extent to which your insurance rates increase following a speeding ticket varies depending on your insurer and your state.

Check out the table below to understand how much a speeding ticket can raise your car insurance rate by insurance company.

Company	Average annual rate	Average rate after 1 speeding ticket	Average rate after two speeding tickets	% increase after one speeding ticket	% increase after 2 speeding tickets
Geico	$1,763	$2,831	$3,165	61%	80%
State Farm	$1,984	$2,321	$2,695	17%	36%
Allstate	$2,509	$2,965	$3,465	18%	38%
USAA	$1,381	$1,680	$2,112	22%	53%
Progressive	$1,998	$2,650	$3,053	33%	53%
Farmers	$2,387	$3,380	$3,717	42%	56%
Nationwide	$1,548	$2,347	$2,667	52%	72%
Travelers	$1,606	$2,416	$2,763	50%	72%

How much a speeding ticket increases your car insurance rates

A speeding ticket increases insurance premiums by 36%, on average. The amount of the increase depends on several factors, such as the severity of the offense, the driver’s age, driving experience and previous driving record.

Insurance rates are based on risk assessment, and speeding tickets indicate higher risk. When a driver gets a speeding ticket, it signals to the insurance company that they may be more likely to cause an accident in the future. As a result, the insurance company charges higher premiums to compensate for the increased risk.

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How much does insurance go up after a speeding ticket in my state?

Our data shows that Hawaii drivers pay the biggest penalty for a speeding ticket, with an average increase of 85%. Ohio and California follow, with drivers seeing a 48% increase in each state. On the other end of the spectrum is Pennsylvania, where the average driver’s jump is 19%.

In addition to your insurance company, where you live also plays a role in determining how much your car insurance premium increases from a speeding ticket.

If you manage to get dinged twice in three years for speeding — or any other ticket, for that matter — there is a good chance your rates will go up dramatically. Insurers often rate repeat offenders as high-risk drivers, which results in higher rates.

Here’s how much car insurance rates increase on average after a speeding ticket for a full coverage policy (100/300/100 with $500 deductibles):

State	Average annual rate	Average rate after one speeding ticket	Average rate after two speeding tickets	% increase after one speeding ticket	% increase after two speeding tickets
Alaska	$1,676	$2,123	$2,210	27%	32%
Alabama	$1,860	$2,569	$2,853	38%	53%
Arkansas	$1,957	$2,844	$3,147	45%	61%
Arizona	$1,812	$2,477	$2,831	37%	56%
California	$2,416	$3,575	$5,143	48%	113%
Colorado	$2,337	$3,338	$3,280	43%	40%
Connecticut	$1,725	$2,226	$3,221	29%	87%
Washington, D.C.	$2,157	$2,670	$2,781	24%	29%
Delaware	$2,063	$2,846	$3,039	38%	47%
Florida	$2,694	$3,553	$3,763	32%	40%
Georgia	$1,970	$2,655	$3,009	35%	53%
Hawaii	$1,517	$2,809	$1,993	85%	31%
Iowa	$1,630	$2,164	$2,471	33%	52%
Idaho	$1,428	$1,816	$1,956	27%	37%
Illinois	$1,532	$2,067	$2,384	35%	56%
Indiana	$1,515	$2,207	$2,392	46%	58%
Kansas	$1,900	$2,307	$2,779	21%	46%
Kentucky	$2,228	$3,190	$3,418	43%	53%
Louisiana	$2,883	$3,850	$4,267	34%	48%
Massachusetts	$1,726	$2,112	$2,493	22%	44%
Maryland	$1,746	$2,404	$2,625	38%	50%
Maine	$1,175	$1,523	$1,710	30%	46%
Michigan	$2,352	$3,469	$4,425	47%	88%
Minnesota	$1,911	$2,578	$3,217	35%	68%
Missouri	$1,982	$2,461	$2,695	24%	36%
Mississippi	$2,008	$2,645	$2,881	32%	43%
Montana	$2,193	$2,953	$2,814	35%	28%
North Carolina	$1,741	$2,561	$3,151	47%	81%
North Dakota	$1,665	$2,016	$2,421	21%	45%
Nebraska	$1,902	$2,649	$2,892	39%	52%
New Hampshire	$1,265	$1,638	$1,804	29%	43%
New Jersey	$1,902	$2,799	$2,952	47%	55%
New Mexico	$2,049	$2,640	$2,903	29%	42%
Nevada	$2,060	$2,708	$3,066	31%	49%
New York	$1,870	$2,269	$2,436	21%	30%
Ohio	$1,417	$2,093	$2,226	48%	57%
Oklahoma	$2,138	$2,715	$2,995	27%	40%
Oregon	$1,678	$2,244	$2,469	34%	47%
Pennsylvania	$1,872	$2,232	$2,844	19%	52%
Rhode Island	$2,061	$2,901	$3,198	41%	55%
South Carolina	$2,009	$2,553	$2,961	27%	47%
South Dakota	$2,280	$2,776	$3,131	22%	37%
Tennessee	$1,677	$2,310	$2,605	38%	55%
Texas	$2,043	$2,576	$2,857	26%	40%
Utah	$1,825	$2,322	$2,719	27%	49%
Virginia	$1,469	$1,984	$2,264	35%	54%
Vermont	$1,319	$1,710	$2,000	30%	52%
Washington	$1,608	$2,296	$2,327	43%	45%
Wisconsin	$1,664	$2,290	$2,519	38%	51%
West Virginia	$2,005	$2,710	$2,998	35%	50%
Wyoming	$1,758	$2,462	$2,565	40%	46%

How to save on car insurance after a speeding ticket, DUI, or other violation

While a speeding ticket will most likely boost your insurance costs, there are a few things you can do to keep your premium affordable. Here are a few tips:

Fight the ticket: “If you receive a speeding ticket, consult an attorney. In most states, a traffic ticket attorney can have a moving violation ticket reduced to a non-moving incident. Keeping points off your driving record is the key to maintaining lower rates,” says John Espenschied with Insurance Brokers Group. If you can get the ticket dismissed, reduced, or deferred, it may not hit your driving record, and you may be able to keep your safe-driver discount.
Shop around: Shopping around for coverage is one of the best ways to lower your premium. Insurance companies rate risk differently, which can lead to big differences in premiums. Always be sure you are comparing apples to apples regarding coverage levels and deductibles.
Take a defensive driving course: In many states, taking a defensive driving course may keep the ticket off your record. Check with your insurer to see if they offer this discount and for a list of approved courses.
Raise your deductible: Boosting your deductible lowers your premium. If you can afford to double your deductible, you should see a significant reduction in your premium. However, always choose a deductible you can easily afford if you have to make a claim.
Look for discounts: Insurers offer a variety of discounts, and they will all help lower your premium. Ensure you are getting all the discounts you are entitled to receive.

Best discounts for drivers with tickets

If you have received a traffic ticket or multiple tickets, you may see an increase in your car insurance premiums. However, there are still some discounts available that you may be eligible for. Here are some of the best car insurance discounts for drivers with tickets:

Defensive driving course: Completing a defensive driving course can show your insurance company that you are taking steps to become a safer driver and may help you earn a discount on your premiums.
Safe driver: If you haven’t filed an insurance claim in several years, you can save money on your policy.

Pay in full: Paying your entire annual premium upfront may also lead to a discount, as it eliminates the need for the insurance company to manage monthly payments.
Autopay: Many insurance companies offer discounts to customers who enroll in automatic payment plans, as it reduces the risk of missed or late payments.
Bundling discount: You may be eligible for a bundling discount if you have multiple insurance policies with the same company, such as home and auto insurance.

It’s important to note that not all insurance companies offer these discounts, and the availability and amount of discounts can vary by state and by company. It’s a good idea to shop around and compare quotes from different insurance providers to find the best deal for your situation.

Frequently asked questions

How long does a speeding ticket stay on my record?

How long a speeding ticket stays on your record varies by state and the insurance company. When it comes to your DMV record, most tickets, at least minor ones, fall off your record in about three years. More serious offenses, such as a DUI, stay on your record much longer.

Is my DMV record different than my insurance record?

Your DMV (Department of Motor Vehicles) and insurance records are separate and distinct.

DMV records are maintained by your state’s Department of Motor Vehicles. These contain information about your driving history, such as your license status, traffic violations, accidents and other driving-related incidents. Your state uses this record to determine your driving eligibility and enforce traffic laws.

On the other hand, your insurance company maintains your insurance record and contains information about your insurance policy, including your coverage limits, deductibles, claims history and premium payments. This record is used by your insurance company to determine your risk level and to calculate your insurance premiums.

While there may be some overlap between your DMV record and your insurance record — such as if you have a history of traffic violations or accidents — they are not the same thing and are maintained by different entities for different purposes.

How do insurance companies find out about tickets?

Car insurance companies have various ways of finding out about tickets you have received. One of the most common methods is through motor vehicle records, which they can obtain from your state’s Department of Motor Vehicles. These records contain details of your driving history, including any traffic violations or tickets.

What is the best insurance company for high-risk drivers?

After getting a speeding ticket, many insurers consider you to be a higher risk. After a speeding ticket, drivers find the cheapest rates through USAA, Nationwide, Geico, and State Farm.

Methodology

Insure.com, in the fall of 2023, commissioned car insurance rate data from Quadrant Data Services for drivers with and without speeding tickets. Rates are based on a driver age 40 with good credit driving a 2023 Honda Accord LX with a full coverage policy (100/300/100 liability limits and $500 deductibles.)

The overall score is based on the annual Insure.com best car insurance companies ranking, which is calculated based on a survey of insurance customers, NAIC complaint ratios, AM Best scores and average rates. See the full methodology on the best car insurance companies page.

The score for drivers with speeding tickets uses the overall score along with the same third-party ratings and rates for drivers with a single at-fault accident. Factors were weighted as follows:

Survey: 40%
Annual premium: 20%
AM Best: 25%
NAIC: 15%

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

On this page

Cheap car insurance for drivers with a speeding ticket
Average annual car insurance premiums with a speeding ticket
How much a speeding ticket increases your car insurance rates
How much does insurance go up after a speeding ticket in my state?
How to save on car insurance after a speeding ticket, DUI, or other violation
Best discounts for drivers with tickets
Frequently asked questions
Methodology