Cheapest car insurance for drivers with an incident
Driving incidents include at-fault accidents, speeding tickets, DUIs, and other moving violations. If you have an incident on your motor record, your probability of having another is higher than someone with a clean record. Therefore, your risk profile increases, and your insurer may charge you more for an auto policy.
Drivers with a clean record typically pay the lowest premiums.[7]
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding can result in more than just a ticket and fine. It can also cause an increase in your insurance premiums. A speeding ticket can remain on your record and negatively affect your premium for several years, but you can still find affordable car insurance.
You’ll find the best deals on car insurance for drivers with speeding tickets in the table below, which shows the average cost of full-coverage car insurance with a speeding ticket.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Mile Auto | $92 |
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State Farm | $120 |
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Erie | $144 |
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Auto-Owners | $152 |
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Safeco | $170 |
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Plymouth Rock | $176 |
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Midvale Home & Auto | $180 |
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Travelers | $185 |
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GEICO | $188 |
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Progressive | $190 |
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National General | $196 |
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Allstate | $212 |
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CSAA | $219 |
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Direct Auto | $226 |
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Nationwide | $243 |
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USAA | $246 |
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Liberty Mutual | $247 |
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Foremost | $265 |
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Chubb | $291 |
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Bristol West | $292 |
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The General | $300 |
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Infinity | $313 |
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Dairyland | $357 |
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State Auto | $362 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you have a recent at-fault accident on your record, insurers may consider you a risky driver. The collision can stay on your record for several years, and as a result, you may pay higher insurance premiums during that period of time.
Fortunately, some insurers still offer competitive premiums to drivers with past at-fault accidents. If this sounds like you, compare the insurers with the cheapest full-coverage quotes below.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Mile Auto | $101 |
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State Farm | $129 |
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Auto-Owners | $162 |
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Travelers | $198 |
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Foremost | $281 |
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State Auto | $390 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
DUI convictions can have significant legal and financial repercussions, including a sizable increase in your insurance premiums. After your first DUI charge in Pennsylvania, you can face up to six months of probation, a $300 fine, and mandatory alcohol safety school.[8]
Some insurers will refuse to insure you after one or more DUI charges, and others may issue more expensive quotes for coverage due to your high-risk status. You can still find cost-effective options for car insurance if you have a DUI in Pennsylvania. Start your search by considering the insurers in the table below, which shows their averages for full coverage with a DUI.
The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
| |
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Mile Auto | $116 |
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State Farm | $160 |
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Auto-Owners | $200 |
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Travelers | $242 |
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Foremost | $321 |
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State Auto | $438 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.