How A Speeding Ticket Affects Your Car Insurance

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The national average insurance cost for a 35-year-old male driver with a speeding ticket for going 16-20 MPH over the limit is $209 per month or $2,508 per year. This is noticeably higher than the national average cost of a full-coverage car insurance policy for an individual with the same profile — but with a clean driving record — which is $167 per month or $2,008 per year. 

Keep in mind that location is a key factor that can affect how much you’ll pay for auto insurance with a ticket on your driving record. Rates can vary for the same type of driver profile based on climate, population density and the amount of claims processed in your area.

Each state’s cheapest car insurance company for drivers with speeding tickets, as well as the provider’s average annual rate in the state, can be found below.

*Data averages are based on full-coverage insurance for a 35-year-old male with a speeding ticket for 16-20 MPH over the speed limit.

Additional Factors That Affect Car Insurance Rates

Your driving record and location are just two of the many factors that can affect your car insurance rates. Providers also consider factors such as:

• Age: Young adults and teens can expect to pay more for insurance than older, more experienced drivers.
• Credit history: A good credit score can result in a lower insurance rate, as this is an indicator of financial responsibility and reliability. A low credit score will often result in a more costly insurance premium.
• Vehicle type: If you drive a new or expensive car that will cost more to repair, you’ll often pay a higher insurance rate than if you own an older, less expensive model.
• Gender: Men often pay more for auto insurance than women, especially younger male drivers.
• Marital status: Married couples often pay less for insurance than single drivers.

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Our top choices for speeding ticket car insurance companies that are available nationwide are State Farm, Geico and USAA.

USAA: Best for Military Members

Better Business Bureau (BBB) rating: Not rated

AM Best financial strength rating: A++

USAA offers excellent rates on car insurance, even if you have a recent speeding ticket. Our team has found that USAA’s average insurance rate for a 35-year-old male driver with a traffic ticket for 16-20 MPH over the limit is $152 per month or $1,828 per year. This is below the national average for this driving profile.

USAA Pros and Cons

USAA has built up a good customer service reputation. It scored 900 out of 1,000 points in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study℠, proving itself superior over other insurers throughout the claims process. It also offers add-on insurance offerings such as accident forgiveness, rideshare insurance and rental reimbursement. The downside for many is that USAA auto insurance is only available to military members, veterans and their families. However, if you fall into one of these categories, we recommend obtaining a quote.

Read more: USAA insurance review

State Farm: Best Customer Experience

Better Business Bureau (BBB) rating: A

AM Best financial strength rating: A++

State Farm’s nationwide availability and low rates in many states make it a great choice for cheap insurance for drivers with a speeding ticket on their driving record. State Farm’s average insurance rate for a driver with a speeding ticket for going 16-20 MPH over the limit is $156 per month or $1,872 per year. This is well below the national average for a 35-year-old male driver.

State Farm Pros and Cons

Known for its reliable customer service, State Farm scored 891 out of 1,000 points in the J.D. Power 2023 U.S. Insurance Shopping Study℠, putting them on top in the large insurers category. In addition, State Farm offers a telematics insurance program called Drive Safe & Save™, which tracks driving habits and rewards drivers for their safe driving. You could be awarded with a discount if you avoid unsafe driving practices while using this app, proving that you’ve learned from your traffic violation.

Read more: State Farm insurance review

Geico: Best for Budget-Conscious Drivers

Better Business Bureau (BBB) rating: A+

AM Best financial strength rating: A++

Geico offers affordable rates for most drivers, and this doesn’t exclude drivers with a speeding ticket. The average rate from Geico for a 35-year-old male driver with a speeding ticket for driving 16-20 MPH over the speed limit is $178 per month or $2,137 per year. This puts Geico’s rates under the national average of $209 per month or $2,508 per year for a driver with this profile.

Geico Pros and Cons

According to the J.D. Power 2023 U.S. Auto Insurance Study℠, Geico has strong ratings in the North Central, Northwest, Southwest, Central and New England regions, and scored above the average in each of these areas. In addition, they offer a telematics program called DriveEasy that can help you lower your premium if you practice safe driving habits after your speeding ticket.

Read more: Geico insurance review

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A speeding ticket doesn’t mean you have to say goodbye to affordable insurance rates. Our data estimates show that you’ll most likely see a rate increase, but it’s possible to keep this to a minimum or to avoid a raise in your auto insurance costs entirely. Consider the following ways you could potentially lower your insurance premium after a speeding ticket.

Shop Around With Other Insurers

If a speeding ticket has raised your car insurance rates with your current provider, it might be worth comparing car insurance quotes from various providers. Quotes are free and can be obtained online or through a licensed insurance agent, and we recommend comparing as many quotes as you can to find the right price for the coverage you need.

Try a Usage-Based Insurance Program

Usage-based insurance programs, also known as telematics insurance, reward you over a period of time with discounts based on your driving behaviors. These programs are offered by most reputable auto insurance companies, and don’t take into account your past driving record. If you avoid potentially reckless driving behaviors such as speeding, abrupt stops and late-night drives, you could end up with a sizable discount on your auto insurance.

Find the Best Discounts

Companies often offer different types of car insurance discounts, and some insurers offer more than others. Researching and seeing if what they offer will benefit you is a wise decision, and can potentially save you money despite a speeding ticket on your driving record.

Some discounts offered by insurers include multi-car, student, military, multi-policy and driver education discounts. You most likely won’t be able to obtain a good driver discount, but if you keep your record clean for several years after your ticket, you can qualify for this additional discount.

Attend Traffic School or a Defensive Driving Course

Traffic school, or a defensive driving program, are voluntary or court-ordered programs that can potentially remove a driving infraction from your record. Receiving a speeding ticket usually adds points to your driving record, but these programs can minimize the impact on your insurance rates by confirming that you’ve learned to be a safe driver.

It’s best to look into your state’s procedures regarding speeding violations, as every state is different. If your state offers traffic school or defensive driving program attendance in exchange for ticket dismissal, we recommend taking advantage of this provision if you qualify.

Source: Automoblog

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Car insurance after receiving a speeding ticket can be more expensive than your standard auto insurance rates, but there are ways to negate this and find a rate that’s still affordable. It’s best to compare car insurance quotes from various providers to find the most affordable rates for your circumstances.

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Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.