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Speeding tickets can affect your driving record and lead to higher car insurance premiums. The average driver pays $140 per month for auto coverage, according to our data. But that monthly rate jumps to $182 if you’ve got a speeding ticket on your record.
But one mistake doesn’t mean you’re stuck with high-risk premiums forever. For example, Country Financial offers low average rates for drivers with speeding tickets, coming in at just $64 per month, on average.
Let’s compare insurance companies to find cheap car coverage in your state and look at ways to save on your policy — even if you have a ticket.
A speeding ticket increases car insurance rates nationally by an average of 29%.
Most tickets stay on your driving record for three to five years, though this timeline varies depending on which state you live in.
GEICO, Travelers, and Nationwide are some of the best auto insurers for drivers with speeding tickets.
Though a speeding ticket can raise your insurance rates for years, you’re not completely out of luck. You still have plenty of ways to save.
Car insurance companies view tickets differently. Insurers may put you in the high-risk driver category, but some companies are more forgiving than others when it comes to your monthly rate.
The table below shows the cheapest car insurance companies for drivers with speeding tickets, along with each insurer’s average monthly rates, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $64 |
| Country Financial | $64 |
| USAA | $69 |
| State Farm | $69 |
| Mile Auto | $88 |
| Commonwealth Casualty | $93 |
| Erie | $97 |
| Allstate | $100 |
| National General | $109 |
| American Family | $110 |
| GEICO | $112 |
| GAINSCO | $112 |
| Safeco | $115 |
| Direct Auto | $116 |
| Dairyland | $119 |
| The General | $121 |
| Elephant | $124 |
| Root | $125 |
| Nationwide | $127 |
| Travelers | $132 |
| Bristol West | $133 |
| Anchor | $139 |
| Mercury | $141 |
| Farmers | $141 |
| AssuranceAmerica | $145 |
| Chubb | $154 |
| Clearcover | $159 |
| Liberty Mutual | $169 |
| Plymouth Rock | $177 |
| 21st Century | $184 |
| Shelter | $188 |
| The Hartford | $213 |
| State Auto | $215 |
| CSAA | $216 |
| Amica | $367 |
Country Financial takes the top spot, with an average rate of $64 per month for drivers with speeding tickets.
Just remember that while it might have low average insurance rates, it might not be the cheapest for your specific situation. The best way to find your personal quote is to shop around for monthly rates from several different companies.
It’s no surprise that a bad driving record increases auto insurance premiums. On average, a single speeding ticket causes monthly rates to jump by about 29% nationwide, according to Compare.com data.
Insurance companies see speeding as a high-risk behavior that makes you more likely to get into an accident and file an insurance claim. And to make up for the increased risk, insurers raise your rates. But the actual increase depends on a couple of factors, including the speeding severity, the number of tickets on your record, where you live, and your insurance company.
Here’s a look at how average rates for drivers with clean records compare to those with a speeding ticket, according to Compare.com data.
Driving Record | Average Monthly Premium: Liability Only | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Clean Record | $98 | $182 | $140 |
| With Speeding Ticket | $127 | $243 | $182 |
Most speeding tickets stay on your driving record for three to five years, but it varies widely. The exact time frame depends on your state’s laws, the severity of your violation, and your previous driving history. For example, California speeding tickets stay on your record for three years.[1] In Virginia, tickets can stick around for five to 11 years, depending on how far above the speed limit you were driving.[2]
Basic policies start as low as $64 per month.
Car insurance rates vary from state to state. The average rate differences come down to a mix of state laws, claim frequencies, repair costs, and weather patterns.
Rural states and those with fewer car accidents and claims tend to have low average rates. States with higher population density, more uninsured drivers, or frequent natural disasters tend to charge steeper premiums.
Adding a speeding ticket to the mix can make the gap even bigger.
Take a look at how the most affordable options stack up across different states.
The table below shows the cheapest car insurance company for each state and its average rate, according to Compare.com data.
State | Average Monthly Premium | Cheapest Company |
|---|---|---|
| Alabama | $59 | National General |
| Arizona | $83 | Just Pay-Per-Mile |
| Arkansas | $54 | State Farm |
| California | $108 | USAA |
| Colorado | $74 | State Farm |
| Connecticut | $132 | State Farm |
| Delaware | $100 | USAA |
| Florida | $118 | Progressive |
| Georgia | $110 | Auto-Owners |
| Idaho | $44 | Auto-Owners |
| Illinois | $63 | Auto-Owners |
| Indiana | $61 | Auto-Owners |
| Iowa | $29 | State Farm |
| Kansas | $65 | State Farm |
| Kentucky | $96 | Progressive |
| Louisiana | $82 | State Farm |
| Maine | $52 | USAA |
| Maryland | $197 | USAA |
| Massachusetts | $70 | State Farm |
| Michigan | $87 | Auto-Owners |
| Minnesota | $68 | State Farm |
| Mississippi | $52 | State Farm |
| Missouri | $70 | USAA |
| Montana | $40 | State Farm |
| Nebraska | $54 | Auto-Owners |
| Nevada | $78 | Country Financial |
| New Hampshire | $68 | National General |
| New Jersey | $177 | NJM |
| New Mexico | $62 | Progressive |
| New York | $140 | Erie |
| North Carolina | $77 | Nationwide |
| North Dakota | $31 | Auto-Owners |
| Ohio | $54 | Mile Auto |
| Oklahoma | $45 | State Farm |
| Oregon | $92 | State Farm |
| Pennsylvania | $73 | State Farm |
| Rhode Island | $123 | USAA |
| South Carolina | $88 | USAA |
| South Dakota | $46 | State Farm |
| Tennessee | $63 | Sun Coast |
| Texas | $71 | State Farm |
| Utah | $77 | USAA |
| Vermont | $21 | State Farm |
| Virginia | $75 | Auto-Owners |
| Washington | $77 | State Farm |
| District of Columbia | $202 | Erie |
| West Virginia | $51 | State Farm |
| Wisconsin | $42 | USAA |
| Wyoming | $40 | USAA |
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While an insurance company might stand out with cheap car quotes for high-risk drivers, the best insurer really depends on your situation. Your age, location, driving history, credit history, and the coverage levels you choose matter.
We’ve selected the companies below based on the average rates for drivers with tickets, available discounts, customer satisfaction ratings, and coverage options.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $149/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.4 | 3.1 |
| Value | 4.4 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO tops our list for overall affordability for most drivers with tickets, thanks to its extensive lineup of discounts that can help offset post-ticket insurance rate increases. The company takes a digital-first approach, making everything from getting a quote to filing a claim straightforward. It’s perfect for busy people who don’t have time to sit on hold with an agent.
Easy online purchasing process
Many discounts available
Mobile app allows for easy policy management
Gap insurance and rideshare coverage not available
Mixed customer service reviews[3]
Potential renewal rate jumps
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $192/mo |
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.5 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.4 | 2.9 |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers is great for drivers looking for policy customization. It lets you personalize your coverage options, giving you more control over premiums. By trimming unnecessary coverage, you don’t pay for protection you don’t need.
Accident forgiveness can hold back higher prices down the road if you’re in a crash, while the IntelliDrive program can cut your premiums and show your commitment to improving bad driving habits.
Highly customizable coverage options
Accident forgiveness available
Up to 30% savings with IntelliDrive program
Few discounts available
Low average customer service rating
Telematics program may raise rates
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $187/mo |
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.5 | 2.9 |
Nationwide gives drivers with speeding tickets a fresh start to find cheap coverage through its usage-based insurance programs. SmartRide rewards good driving with up to 40% off premiums without penalizing you with higher rates based on tracking data. Nationwide also throws in accident forgiveness and vanishing deductible to help lower your out-of-pocket costs.
Telematics and pay-per-mile programs available
Vanishing deductible available
SmartRide won’t increase rates
Few discounts available
Limited customization options
App may not distinguish between driver and passenger trips[4]
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Higher car insurance rates after a speeding ticket can feel like paying for your mistake over and over again. Here’s how to keep monthly rates down while waiting for bad driving behavior to fade from your record.
Look for discounts. Don’t overlook discounts. Many companies offer price breaks for bundling policies, paying in full, or going paperless.
Take a defensive driving course. Some insurers will knock a percentage off your premium when you complete an approved safety course.
Bump up your deductible. Increasing your deductible could lower your monthly payments, but make sure you have the cash to cover it if you need to file a claim.
Adjust your coverage. If you’re driving an older car, for example, you might not need comprehensive coverage anymore.
Shop around regularly. Check prices from a few different insurers every six months. Comparing quotes can lead to the biggest savings.
Get affordable coverage from top companies.
If you have more questions about how a speeding ticket affects your car insurance, here are the most common things drivers want to know after getting a speeding ticket.
Country Financial has cheap car insurance prices for most drivers with speeding tickets, averaging about $64 per month, according to our research. That said, car insurance prices vary because of personal factors, so it’s always worth comparing quotes from multiple companies to find your best insurance rate.
No. You don’t need to call your car insurance company and report your ticket. The insurer will find out soon enough when pulling your driving record at renewal time. Just don’t lie about bad driving if your insurer asks you about recent tickets.
Not necessarily. Tickets stick to the driver, not the car. If your roommate borrows your car, and a police officer pulls them over, their bad driving affects their record, not yours.
For most drivers, yes. Even a first ticket can cause rates to jump. The exact amount depends on how fast you were going and your car insurance company’s policies. Keep in mind that some companies offer ticket forgiveness.
No. Your car insurance company won’t raise your rates over parking tickets. Parking tickets are city or municipal violations, not driving infractions, and don’t show up on your driving record.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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