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Cheap Car Insurance with Speeding Tickets (2022)

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Why you can trust Insurify

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Charlie Mitchell

By: Charlie Mitchell

Edited by John Leach

Updated September 1, 2022

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.

Quick Facts

  • Speeding tickets almost always raise your car insurance rates.

  • The cheapest states for speeding tickets are Iowa, Wyoming, and Alaska.

  • The cheapest top insurer for drivers with speeding tickets is USAA, at $54 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 damage your insurance premiums as much. 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
USAA$54
GEICO$67
State Farm$67
Allstate$87
Farmers$177
Erie$51
American Family$95
National General$104
The Hartford$121
Dairyland$122
Alfa$130
Nationwide$147
Travelers$153
Esurance$154
State Auto$211
Amica$214
Bristol West$277

See More: Cheap Car Insurance

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.

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Car Insurance Tips After a Speeding Ticket

If the increased cost 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 heavily factor in your credit score when setting auto insurance rates, so this can make a big difference.

Choose a Higher Deductible or Adjust Your Insurance Coverage

You can usually inch your premium down if you take a higher deductible on your comprehensive and collision coverage. This is because with you taking on more of the risk, insurers feel comfortable charging you less. Just make sure you can afford the new deductible out of pocket if something happens.

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 high-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 less likely to raise your rates after a speeding violation. 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

While getting a speeding ticket can be upsetting, other moving or traffic violations, such as reckless driving or a DUI, will do worse than raise your insurance premiums—the DMV might take away your driver’s license. And you could face big fines. 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 strive for nothing less than a cheap auto insurance policy—you just have to look a little harder.
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 high-risk category if your driving record includes a speeding ticket from the last three to five years. After that, 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.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Charlie Mitchell
Charlie Mitchell
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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.

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