- Best car insurance for speeding tickets
- Cheapest car insurance companies after a speeding ticket
- Cheapest insurance companies for drivers with multiple speeding tickets
- Cheapest car insurance after speeding tickets by state
- How can you save on your car insurance premiums with speeding tickets?
- Methodology
- Frequently asked questions: Insurance after a speeding ticket
Best car insurance for speeding tickets
Erie s the highest-rated company based on customer satisfaction, financial ratings and average annual rates. If you qualify, USAA is cheaper, but Erie is open to all drivers. Travelers is the best-rated national carrierAn insurance carrier is the company that provides your car insurance policy and pays claims..
At USAA, there is an average 26% increase in annual rates, while State Farm has an average 25% increase.
“Not only do speeding tickets cause insurance companies to view the driver as higher risk, drivers may lose discounts applied on the policy as the result of a ticket, such as a good driver discount,” McKenzie says.
Depending on your carrier, you could see an increase of as much as 65% after a speeding ticket.
Price is an important factor but not the only one. It’s a good idea to look at a company’s financial ratings, which indicate the company’s ability to handle its financial obligations (claims) and its customer satisfaction ratings.
The table below shows rates and third-party ratings for top companies, along with our own analysis. The overall score is based on our annual best car insurance companies ranking. The score for drivers with speeding tickets uses all of these factors, along with average rates for drivers with tickets. See the full methodology below
| Company | AM Best | NAIC complaint ratio | Rates before speeding ticket | Rates after speeding ticket* | Score for drivers with speeding ticket |
|---|---|---|---|---|---|
| Erie Insurance | A+ | 0.89 | $1,480 | $1,749 | 4.67 |
| Auto-Owners | A+ | 0.54 | $1,554 | $2,110 | 4.58 |
| Travelers | A++ | 0.52 | $1,606 | $2,417 | 4.52 |
| State Farm | A++ | 0.79 | $1,984 | $2,357 | 4.46 |
| American Family | A | 0.34 | $1,698 | $2,321 | 4.43 |
| Nationwide | A | 0.63 | $1,548 | $2,352 | 4.31 |
| Progressive | A+ | 0.71 | $1,998 | $2,656 | 4.21 |
| GEICO | A++ | 0.69 | $1,763 | $2,899 | 4.18 |
| Allstate | A+ | 1.10 | $2,509 | $3,122 | 3.81 |
| Farmers | A | 0.86 | $2,387 | $3,430 | 3.62 |
| Amica | A+ | 0.75 | $2,216 | $4,129 | 3.36 |
| USAA | A++ | 1.18 | $1,381 | $1,681 | 4.71 |
*Based on the average of all speeding ticket types.
People ask
At what point does a speeding ticket affect your insurance?
A speeding ticket affects your insurance on your first renewal after receiving the ticket. In some cases, if your insurance company doesn't check your driving record at every renewal, it may take longer.
Cheapest car insurance companies after a speeding ticket
Erie Insurance is the cheapest car insurance company for drivers with a speeding ticket at $1,749 a year, although USAA is cheaper if you qualify. Among national carriers, Nationwide is the cheapest option at $2,119 a year.
Compare car insurance rates by company for drivers with a speeding ticket below.
| Company | Average annual rate (without tickets) | Average annual rate after one speeding ticket | Monthly rates after one speeding ticket |
|---|---|---|---|
| Erie Insurance | $1,480 | $1,727 | $144 |
| Auto-Owners | $1,554 | $1,793 | $149 |
| Nationwide | $1,548 | $2,119 | $177 |
| American Family | $1,698 | $2,197 | $183 |
| Travelers | $1,606 | $2,260 | $188 |
| State Farm | $1,984 | $2,281 | $190 |
| GEICO | $1,763 | $2,336 | $195 |
| Amica | $2,216 | $2,622 | $219 |
| Progressive | $1,998 | $2,651 | $221 |
| Allstate | $2,509 | $3,108 | $259 |
| Farmers | $2,387 | $3,119 | $260 |
| USAA | $1,381 | $1,674 | $140 |
As you can see, if you get a ticket for going 1-10 mph over the speed limit, you will pay $300 more per year for your car insurance through USAA, which has the cheapest rates, but limited eligibility.
Erie is the cheapest that's open to all, with a monthly rate of $147. At Amica, your rates will nearly double with a single speeding ticket 11-29 MPH over the limit.
Next, we’ll look at the average increase for a speeding ticket 11-29 MPH over the limit.
| Company | Average annual rate (without tickets) | Average annual rate after one speeding ticket | Monthly rates after one speeding ticket |
|---|---|---|---|
| Erie Insurance | $1,480 | $1,761 | $147 |
| Auto-Owners | $1,554 | $2,161 | $180 |
| Nationwide | $1,548 | $2,161 | $180 |
| American Family | $1,698 | $2,383 | $199 |
| State Farm | $1,984 | $2,385 | $199 |
| Travelers | $1,606 | $2,488 | $207 |
| Progressive | $1,998 | $2,658 | $222 |
| Allstate | $2,509 | $3,129 | $261 |
| GEICO | $1,763 | $3,161 | $263 |
| Farmers | $2,387 | $3,258 | $272 |
| Amica | $2,216 | $4,535 | $378 |
| USAA | $1,381 | $1,685 | $140 |
Not all companies increase rates more for speeding 30+ MPH over the limit. Erie remains the cheapest choice, after USAA, at $147 a month. Among national carriers, however, State Farm is the cheapest at $200 a month.
Below are the average increases by company for a speeding ticket 30+ MPH over the limit.
| Company | Average annual rate (without tickets) | Average annual rate after one speeding ticket | Monthly rates after one speeding ticket |
|---|---|---|---|
| Erie Insurance | $1,480 | $1,761 | $147 |
| Auto-Owners | $1,554 | $2,186 | $182 |
| American Family | $1,698 | $2,383 | $199 |
| State Farm | $1,984 | $2,402 | $200 |
| Travelers | $1,606 | $2,504 | $209 |
| Progressive | $1,998 | $2,658 | $222 |
| Nationwide | $1,548 | $2,771 | $231 |
| Allstate | $2,509 | $3,129 | $261 |
| GEICO | $1,763 | $3,148 | $262 |
| Farmers | $2,387 | $3,911 | $326 |
| Amica | $2,216 | $4,535 | $378 |
| USAA | $1,381 | $1,685 | $140 |
People ask
Why do insurance rates go up after a speeding ticket?
After you get a speeding ticket, insurance companies see you as a greater risk. Speeding is associated with accidents, and the risk that you'll have an accident is greater if you have a habit of driving over the speed limit. Insurance companies raise rates in accordance with that risk.
Cheapest insurance companies for drivers with multiple speeding tickets
When you get multiple tickets you’ll see another steep increase, even with USAA, where rates go up to $176 a month. Erie has similar rates, at $178 a month, while State Farm is the cheapest national carrier for drivers with multiple speeding tickets at $230 a month.
The more moving violations you have, the riskier you appear to your insurance carrier. Below, you’ll see rates from top carriers for a driver with two speeding tickets 11 MPH or more over the limit.
| Company | Annual rate (no tickets) | Annual rate (two speeding tickets) | Monthly rate (two speeding tickets) |
|---|---|---|---|
| Erie Insurance | $1,480 | $2,140 | $178 |
| American Family | $1,698 | $2,435 | $203 |
| Nationwide | $1,548 | $2,667 | $222 |
| State Farm | $1,984 | $2,762 | $230 |
| Travelers | $1,606 | $2,764 | $230 |
| Auto-Owners | $1,554 | $2,927 | $244 |
| Progressive | $1,998 | $3,053 | $254 |
| GEICO | $1,763 | $3,168 | $264 |
| Allstate | $2,509 | $3,627 | $302 |
| Farmers | $2,387 | $3,786 | $316 |
| Amica | $2,216 | $4,762 | $397 |
| USAA | $1,381 | $2,112 | $176 |
If you get too many tickets, your carrier might deem you too risky of a driver and decide not to renew your policy at all.
Cheapest car insurance after speeding tickets by state
See the average cost of car insurance after a speeding ticket in your state below.
| State | Average annual premium | Average annual premium with 1 ticket | Average annual premium with multiple tickets |
|---|---|---|---|
| Alaska | $1,676 | $2,223 | $2,329 |
| Alabama | $1,860 | $2,593 | $2,852 |
| Arkansas | $1,957 | $2,844 | $3,147 |
| Arizona | $1,812 | $2,489 | $2,832 |
| California | $2,416 | $3,576 | $5,145 |
| Colorado | $2,337 | $3,339 | $3,280 |
| Connecticut | $1,725 | $2,342 | $3,447 |
| Washington, D.C. | $2,157 | $2,670 | $2,781 |
| Delaware | $2,063 | $2,846 | $3,040 |
| Florida | $2,694 | $3,784 | $3,763 |
| Georgia | $1,970 | $2,671 | $3,008 |
| Hawaii | $1,517 | $3,050 | $1,993 |
| Iowa | $1,630 | $2,164 | $2,472 |
| Idaho | $1,428 | $1,825 | $1,954 |
| Illinois | $1,532 | $2,075 | $2,383 |
| Indiana | $1,515 | $2,226 | $2,391 |
| Kansas | $1,900 | $2,314 | $2,778 |
| Kentucky | $2,228 | $3,268 | $3,519 |
| Louisiana | $2,883 | $3,850 | $4,266 |
| Massachusetts | $1,726 | $2,249 | $2,494 |
| Maryland | $1,746 | $2,404 | $2,625 |
| Maine | $1,175 | $1,533 | $1,710 |
| Michigan | $2,352 | $3,468 | $4,424 |
| Minnesota | $1,911 | $2,600 | $3,217 |
| Missouri | $1,982 | $2,461 | $2,695 |
| Mississippi | $2,008 | $2,646 | $2,881 |
| Montana | $2,193 | $3,033 | $2,904 |
| North Carolina | $1,741 | $2,562 | $3,152 |
| North Dakota | $1,665 | $2,047 | $2,460 |
| Nebraska | $1,902 | $2,664 | $2,892 |
| New Hampshire | $1,265 | $1,733 | $1,847 |
| New Jersey | $1,902 | $2,958 | $2,953 |
| New Mexico | $2,049 | $2,640 | $2,903 |
| Nevada | $2,060 | $2,708 | $3,066 |
| New York | $1,870 | $2,293 | $2,436 |
| Ohio | $1,417 | $2,114 | $2,227 |
| Oklahoma | $2,138 | $2,714 | $2,994 |
| Oregon | $1,678 | $2,244 | $2,469 |
| Pennsylvania | $1,872 | $2,330 | $2,843 |
| Rhode Island | $2,061 | $3,016 | $3,302 |
| South Carolina | $2,009 | $2,613 | $2,962 |
| South Dakota | $2,280 | $2,799 | $3,132 |
| Tennessee | $1,677 | $2,324 | $2,604 |
| Texas | $2,043 | $2,816 | $3,224 |
| Utah | $1,825 | $2,333 | $2,719 |
| Virginia | $1,469 | $1,996 | $2,263 |
| Vermont | $1,319 | $1,709 | $1,999 |
| Washington | $1,608 | $2,297 | $2,327 |
| Wisconsin | $1,664 | $2,307 | $2,518 |
| West Virginia | $2,005 | $2,789 | $2,998 |
| Wyoming | $1,758 | $2,461 | $2,563 |
How can you save on your car insurance premiums with speeding tickets?
There are still plenty of ways to save on your car insurance, even if you have one or more speeding tickets.
Although you'll likely lose the good driver discount when you get a ticket, you can still qualify for a lot of different discounts. Ask your insurer to take full advantage of what's available. A few car insurance discounts to ask about if you have a ticket:
- Auto and home bundling: you get a discount for insuring both in one place
- Usage-based discounts: allowing the insurer to track your driving habits and proving you're not engaging in risky habits to earn a discount
- Education and affinity discounts: get lower rates for your post-secondary education or for associations to which you belong
- Paperless: get cheaper rates for paperless billing and policy documents
The best way to get cheaper rates with a ticket, however, is to shop around. The rates above prove that there's a big difference in how each insurance company calculates rates for drivers with speeding tickets. Compare quotes to find a better deal.
Methodology
Insurance.com, in the fall of 2024, 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 2024 Honda Accord LX with a full coverage policy (100/300/100 liability limits and $500 deductibles.)
The overall score is based on is calculated based on NAIC complaint ratios, AM Best scores and average rates.
Annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods.: 35%
AM Best: 35%
NAIC: 30%
Frequently asked questions: Insurance after a speeding ticket
Are there any auto insurance companies that forgive speeding tickets?
Some car insurance companies offer first ticket forgiveness. They include Farmers, GEICO, Travelers and Erie Insurance.
How long does it take for your insurance to go down after a ticket?
“Speeding tickets typically stay on your driving record for 3 years, and will continue to impact your insurance rates for that duration of time,” McKenzie says. However, the length of time depends on your state, insurance company, and the type of ticket.
Does a speeding ticket raise insurance rates?
Yes, speeding tickets raise your rates because you are now considered a riskier driver. However, you might be able to avoid a rate increase if you can keep the ticket off your record.
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