Best Auto Insurance Companies That Don’t Penalize You For a Speeding Ticket (2022)

Unfortunately, there are no auto insurance companies that don't penalize you for a speeding ticket. That doesn't mean you can't get insured with a ticket, however. Drivers should shop around to buy the best auto insurance for a bad driving record by comparing quotes online. For the most savings on your auto insurance rates, take advantage of any discounts that are available.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 25, 2021

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What You Should Know

  • Drivers with speeding tickets will always pay more for auto insurance than they will with a clean driving record
  • Finding the best insurance for a bad driving record will have to involve shopping around and comparing insurance companies
  • One way to keep coverage affordable is by using auto insurance discounts

Finding the cheapest insurance with speeding tickets on your record can be challenging.

You may be hoping there are auto insurance companies that don’t penalize you for a speeding ticket. Or wondering, is it even possible to get auto insurance without the company checking your driving record?

This guide is here to put your mind at ease and help you find an auto insurance company that doesn’t penalize you for a speeding ticket. There may be alternatives that you’re not aware of. Plus, you can find auto insurance quotes online and compare companies before picking one that’s the best fit for you.

You can find affordable auto insurance companies that don’t penalize you for a speeding ticket right now. Enter your ZIP code to get quotes from top auto insurance companies.

Best Insurance Companies For Speeding Tickets

You will pay more for auto insurance for having a speeding ticket on your driving record at any company. Unfortunately, auto insurance companies that do penalize you for having a speeding ticket are the norm.

However, there are a few companies that offer car insurance for high-risk drivers at lower rates.

GEICO, for example, is known for providing cheap rates for drivers with speeding tickets. Progressive also offers affordable insurance even with a bad driving record.

Other major companies that will increase your rate, but not by that much, include American Family, Nationwide State Farm, and USAA.

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How much will I pay for auto insurance if I have speeding tickets?

If you’ve ever wondered how your driving record impacts your insurance rates, you should know that speeding makes you a riskier driver in the eyes of insurance companies. As a result, you will pay more for auto insurance than you will with a 100% clean driving record.

However, compared to more serious things like a DUI, speeding tickets don’t cause that much rise in rates. Still, you can expect to pay around 15% more than you would without speeding tickets.

Here’s an average of what you can expect to pay with major auto insurance companies for one speeding ticket versus a clean driving record.

Average Auto Insurance Rates with One Speeding Ticket
Auto Insurance CompaniesAverage Auto Insurance Rates with a Clean Driving RecordAverage Auto Insurance Rates with One Speeding Ticket
USAA$1,933.68$2,193.25
Geico$2,145.96$2,645.43
American Family$2,693.61$3,025.74
Nationwide$2,746.18$3,113.68
State Farm$2,821.18$3,186.01
Progressive$3,393.09$4,002.28
Travelers$3,447.69$4,260.80
Farmers$3,460.60$4,079.01
Allstate$3,819.90$4,483.51
Liberty Mutual$4,774.30$5,701.26
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As you can see, USAA has the lowest rates. However, this company only offers insurance to eligible veterans and their family members. The next cheapest company is GEICO.

Auto Insurance Discounts With a Bad Driving Record

Drivers with a less than perfect driving record may have to spend more  looking for auto insurance to get low rates. Compare quotes from mulitple companies to find the best car insurance for bad driving record.

To avoid this, a smart way to get around paying full price is to find out what auto insurance discounts a company might want to offer you.

Some of the most common discounts include accident-free discounts, low-mileage discounts, senior discounts, and bundling discounts for having multiple policies with the same insurance company.

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

Hopefully, this guide will have given you everything you need to know about buying from auto insurance companies that don’t penalize you for a speeding ticket.

You won’t find auto insurance that doesn’t your check driving record. With a little research, however, you can find affordable auto insurance rates even if you have a speeding ticket.

Find out how much you could be saving by getting rates from top auto insurance companies near you. Enter your ZIP code into our free tool to compare quotes from top companies, even if you have a speeding ticket.

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