4.8out of 3,000+ reviews

Cheap Car Insurance with Speeding Tickets (2022)

Secure. Free. Easy-to-use.
auto insurance

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen

Last Updated June 15, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Nothing will ruin your day like getting pulled over. Best-case scenario, you’re late for wherever you’re going. But if you get a speeding ticket, you’ve got your budget to worry about.

A speeding ticket on your driving record will raise your auto insurance premiums. And while it shouldn’t stop you from finding cheap car insurance, a speeding ticket makes the hunt for as many insurance quotes as possible even more crucial. For that, you’ve got to enlist Insurify, which takes only a few minutes to serve you with a bespoke list of the best policies and deals.

Quick Facts

  • Speeding tickets almost always raise your car insurance rates.
  • The cheapest states for speeding tickets are Iowa, Wyoming, and Alaska.
  • Erie Insurance offers the cheapest quotes we could find for drivers with speeding tickets, at $51 per month.

Cheapest Companies for Drivers with a Speeding Ticket

How much is car insurance with a speeding ticket?

If you have a speeding ticket on your driving record, expect to pay higher-than-average car insurance premiums. Once you have a ticket in your driving history, companies view you as higher-risk, and your policy quotes will reflect that.

Speeding tickets affect insurance rates differently depending on the company, though almost all of them will charge higher rates when they see traffic violations. But with some car insurance companies, an infraction won’t do so much damage to your insurance premiums. Browse this list of insurance providers to see what they charge on average to drivers with speeding tickets.

Insurance CompanyAverage Monthly Premium with Speeding Ticket
Alfa$130
Allstate$87
American Family$95
Amica$214
Bristol West$277
Dairyland$122
Erie$51
Esurance$154
Farmers$177
GEICO$67
The Hartford$121
Nationwide$147
National General$104
State Auto$211
State Farm$67
Travelers$153
USAA$54
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Cheapest States for Drivers with Speeding Tickets

Just like states have different speed limits, auto insurance quotes for drivers with speeding tickets fall in a huge range. Rural states, such as Iowa, Wyoming, and Montana, seem to be especially forgiving. The average monthly cost of insurance for a driver with a speeding ticket is $123. See what to expect in your state.

StateAverage Monthly Premium with Speeding Ticket
Alabama$139
Alaska$51
Arizona$137
Arkansas$114
California$121
Colorado$120
Connecticut$183
Delaware$180
Florida$260
Georgia$156
Hawaii$88
Idaho$73
Illinois$121
Indiana$94
Iowa$59
Kansas$87
Kentucky$185
Louisiana$260
Maine$60
Maryland$159
Massachusetts$105
Michigan$223
Minnesota$127
Mississippi$223
Missouri$123
Montana$96
Nebraska$72
Nevada$209
New Hampshire$75
New Jersey$191
New Mexico$88
New York$133
North Carolina$66
North Dakota$69
Ohio$82
Oklahoma$101
Oregon$151
Pennsylvania$103
Rhode Island$181
South Carolina$151
South Dakota$44
Tennessee$107
Texas$118
Utah$146
Vermont$60
Virginia$106
Washington$125
Washington, D.C.$109
West Virginia$94
Wisconsin$91
Wyoming$51
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Tips After a Speeding Ticket

If the premium increase from your speeding ticket is hitting your budget hard, there are ways you can work to lower your insurance costs.

Raise Your Credit Score

Paying down debts can improve your credit score and lower your car insurance premiums. In most states, auto insurance companies factor in your credit score heavily when setting auto insurance rates, so this can make a big difference.

Choose a Higher Deductible or Adjust Your Insurance Coverage

Looking at your insurance policy, you can usually inch your premium down if you take a higher deductible on your comprehensive and collision coverage. Just make sure you can afford the new deductible out of pocket.

Complete a Defensive Driving Course or Traffic School

Many auto insurance companies will provide a driver discount for completing a defensive driving course, and some states will wipe your traffic ticket from your driving history if you go to traffic school. It might be tedious, but showing insurance companies that you’re committed to being a good driver could stop you from being labeled higher-risk and earn you low insurance rates.

Find a Forgiving Insurance Company

It’s rare, but a handful of insurance companies will forgive your first offense when it comes to moving violations, and some, like GEICO and Progressive, are much easier on speeding violations than others when it comes to rate increases. How to find these insurance companies? You’ve got to search far and wide for the best quotes.

See More: Best and Worst Sites to Compare Car Insurance

Work Hard to Be a Safe Driver

Remember that while a speeding ticket stinks, another moving violation or traffic violation, such as reckless driving, a DUI, and other serious traffic tickets, will do worse than raise your insurance premiums—the DMV might take away your driver’s license. Safe driving is the best way to avoid higher premiums and stay on the road and out of the hospital.

Cheap Car Insurance with a Speeding Ticket

Speeding tickets are worse than parking tickets, but even though they raise your rates, they’re not the end of the world. You should still be content with nothing less than a cheap auto insurance policy—you just have to look a little harder. Insurify will help you with that for free, offering you a list of insurance quotes tailored to you in just a few minutes.

See More: Car Insurance Quotes

Frequently Asked Questions

  • Almost always. Some car insurance companies don’t raise your premium on your first violation if you’ve already shown you’re a safe driver. And as always, how much your rate increases will depend on your insurance company, your age, and other factors.

  • Progressive has a great reputation for going easy on you if you have a speeding ticket on your driving record. Erie, State Farm, and USAA also provide highly affordable average rates for drivers with speeding tickets. But averages only tell you so much. The key is to find the insurance quote that works best for you.

  • Most insurance companies put you in the higher-risk category if your driving record has a speeding ticket from the last three to five years. Once the past is past, you’ll be considered a good driver again.

  • There’s always hope for drivers with speeding tickets. Taking a defensive driving course is a surefire way to get back on your insurance company’s good side. Just make sure you’ve verified with your insurance agent that the course can earn you a driver discount. Aside from that, raising your credit score always helps.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Charlie Mitchell
Charlie Mitchell
Linkedin

Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

Learn More