Auto Insurance Companies That Don’t Penalize You for a Speeding Ticket (2021)

It’s difficult to find auto insurance companies that don't penalize you for a speeding ticket. Rates after one speeding ticket can increase to around $45 a month, and each state will vary with how long speeding tickets will stay on your driving record. Consider taking a defensive driving course to lower your rates. Also, keep in mind that car insurance companies that don't penalize you for a speeding ticket may charge you higher rates and offer fewer discounts.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Sep 28, 2021

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A Concise Overview

  • Your driving record plays a significant role in determining your auto insurance rates
  • One speeding ticket can raise your rates by around $45 a month
  • Not only will your auto insurance rates increase with a speeding ticket, but you can also lose discounts which increases your rates even more

Auto insurance companies are mainly concerned with how risky you are to insure, and they use your driving record to help determine that. Any infractions will cause your rates to go up.

Although each company is different, you can’t really find auto insurance companies that don’t penalize you for a speeding ticket. If you rack up enough tickets, you might have to buy high-risk auto insurance.

Since each auto insurance company will look at your driving record differently, shop around and compare multiple companies to find your best deal.

Before you start reading about auto insurance companies that don’t penalize you for a speeding ticket, enter your ZIP code to compare free quotes from companies in your area.

Which auto insurance companies don’t penalize you for a speeding ticket?

There aren’t really car insurance companies that don’t count speeding tickets because your driving record is the best way for companies to see how much of a risk you are.

You may not realize it, but speeding can be very serious. According to the National Highway Traffic Administration, almost 10,000 people were killed because of speeding in 2019.

If you have a ticket on your record, chances are that you regularly take risks while driving. These risks can lead to accidents and cost the insurance company money.

Although getting coverage from auto insurance companies that do penalize you for a speeding ticket is pretty easy, not every company charges the same rates.

You can still find affordable auto insurance from traditional companies even if you can’t find quotes from auto insurance companies that don’t penalize you for a speeding ticket.

But just how much does your insurance go up after a speeding ticket? This table shows you the average annual rates of the top insurance companies after one speeding ticket.

Average Annual Auto Insurance Rates with a Speeding Ticket
CompanyAverage Annual Rates with 1 Speeding Violation
Allstate$4,483.51
American Family$3,025.74
Farmers$4,079.01
GEICO$2,645.43
Liberty Mutual$5,701.26
Nationwide$3,113.68
Progressive$4,002.28
State Farm$3,186.01
Travelers$4,260.80
USAA$2,193.25
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USAA and GEICO offer the lowest rates for drivers with a speeding ticket, but USAA only offers coverage to members of the military, veterans, and their families.

If you have more than just one ticket on your driving record, your rates will skyrocket.

Enough tickets, accidents, or DUIs, and you can be required to carry high-risk coverage or lose your coverage altogether.

Another thing to consider is that your driving record can lose you discounts that also keep your rates low.

For example, you could lose your safe driver discount, which can offer up to 30% off your rates.

How long does a speeding ticket stay on your driving record?

Typically, a speeding ticket stays on your driving record for about three years. However, each state makes its own rules so tickets could show up on your record for longer.

Also, how fast you were going can also make a difference. In some states, tickets for excessive speeding can stay on your driving record much longer. Auto insurance companies can also charge higher rates for that type of ticket.

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How can drivers with a speeding ticket lower their auto insurance rates?

Knowing how to lower insurance after a speeding ticket is important so that you can get the lowest rates possible.

First, take a defensive driving class. Not only will you learn some valuable safe driving tips, but you can also use it to lower your rates.

Most companies offer a car insurance discount for taking a course, and some states even remove points from your license.

Second, take advantage of all other auto insurance discounts available. Most companies offer multiple types of discounts so there is bound to be a few you can ask for.

Also, consider lowering your coverage and raising your deductible to save money on your auto insurance. Just be aware that you might have to pay more out of pocket for damages in case of an accident.

Auto Insurance Companies That Don’t Penalize You for a Speeding Ticket: The Bottom Line

You can’t find cheaper rates from auto insurance companies that don’t penalize you for a speeding ticket, but that doesn’t mean you can’t get the lowest rates possible.

Take a defensive driving course, ask for discounts, and change your coverage to keep rates low.

Shopping around for coverage is also another way to get cheap auto insurance. Check out multiple companies to get the coverage you need with the lowest rates.

Even though you can’t find car insurance companies that don’t penalize you for a speeding ticket, enter your ZIP code now to compare quotes from companies near you to find your best rates.

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