Partner content: This content was created by a business partner of Dow Jones and researched and written independently of the MarketWatch newsroom. Links in this article may result in us earning a commission. Learn More
Speeding ticket car insurance rates are typically higher than average, but it all depends on your chosen insurance company and the state you live in
Powered by 
Daniel is a MarketWatch Guides team writer and has written for numerous automotive news sites and marketing firms across the U.S., U.K., and Australia, specializing in auto finance and car care topics. Daniel is a MarketWatch Guides team authority on auto insurance, loans, warranty options, auto services and more.
Rashawn Mitchner is a MarketWatch Guides team editor with over 10 years of experience covering personal finance, loans, insurance and warranty topics.
If you’ve recently found yourself with a speeding ticket, you’re probably worried about how this violation will affect your car insurance rates. While you’ll likely pay more for car insurance after receiving a speeding ticket, it’s still possible to minimize the effects on your premium.
In this article, we at the MarketWatch Guides Team will examine the cheapest speeding ticket car insurance companies in each state, and we will also provide our recommendations for the best car insurance companies for drivers with speeding tickets.
Compare Car Insurance Rates
Answer a few simple questions to save money on your policy
Powered by 
Learn more about our methodology.
In many cases, speeding tickets can affect your car insurance costs and result in higher premiums. Speeding tickets and other moving violations are a part of your driving record, which is available to your insurer. Your insurer uses your driving record to determine your risk of having an accident or filing an insurance claim.
Keep in mind that the amount that your insurance rate increases after a speeding ticket depends on how the violation is treated by your chosen insurer and by the state where you live. Quadrant Information Services reports that, based on the specific violation, annual car insurance rates may increase from anywhere between $409 and $3,620. 
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 $193 per month or $2,313 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 $144 per month or $1,730 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.
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:
Our top choices for speeding ticket car insurance companies that are available nationwide are State Farm, Geico and USAA.
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 $118 per month or $1,413 per year. This is below the national average for this driving profile.
USAA has built up a good customer service reputation. It scored 890 out of 1,000 points in the J.D. Power 2022 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
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 $150 per month or $1,794 per year. This is well below the national average for a 35-year-old male driver.
Known for its reliable customer service, State Farm scored 885 out of 1,000 points in the J.D. Power 2022 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
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 $155 per month or $1,856 per year. This puts Geico’s rates under the national average of $193 per month or $2,313 per year for a driver with this profile.
According to the J.D. Power 2022 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
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.
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.
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.
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.
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
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.
Powered by
Massachusetts will add two points to your driving record for a minor traffic law violation via the state’s Merit Rating Board. Insurers in the state can access this and other information on your driving history to calculate your insurance premiums.
In North Carolina, insurance points and driver’s license points are different. Moving violations will add two points on your driver’s license, and offenses such as speeding in excess of 55 MPH or speeding in a school zone in excess of the posted limit will add three points. You’ll need to contact your insurance agent to learn more about insurance points and how speeding tickets affect insurance premiums.
Your first speeding ticket in California can generally cost you anywhere from $238 to $490, including all fines and surcharges. Your costs will depend on how many miles per hour you were driving over the speed limit, as well as where you received your ticket in California.
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:
Our credentials:
*Data accurate at time of publication.
Copyright © 2023 MarketWatch, Inc. All rights reserved.
By using this site you agree to the
Subscriber Agreement & Terms of Use, Privacy Notice, and Cookie Notice.
Find the best [category]