10 Best Car Insurance Companies for Drivers With Speeding Tickets in 2024

Auto-Owners, Travelers, and Progressive are the top provider picks for the best car insurance companies for drivers with speeding tickets, offering affordable and competitive rates.

These companies prioritize affordability for drivers with speeding violations, ensuring that drivers can access the insurance they need without facing excessive financial burdens due to past speeding tickets.

Our Top 10 Picks: Best Car Insurance Companies for Drivers With Speeding Tickets

This comprehensive coverage explores the rates, benefits, and unique offerings of these leading companies to help you make informed decisions and find the best coverage for your needs. Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.

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#1 – Auto-Owners: Top Overall Pick

Pros

• Accident Forgiveness: Offers up to 12% discount and up to 17% for safe driving with accident forgiveness, providing financial relief after an incident.
• Competitive Rates: Auto Owners stands out for providing competitive rates, making it an attractive option for budget-conscious drivers.
• Flexible Coverage: Auto Owners car insurance review offers customizable coverage choices, enabling drivers to personalize their policies to suit their specific requirements.

Cons

• Limited Online Presence: Auto Owners might be less accessible for tech-savvy users, as it has a comparatively limited online platform.
• Regional Availability: Its services may be restricted to specific regions, potentially limiting availability for drivers in certain areas.

#2 – Progressive: Best for Innovation

Pros

• Snapshot Program: Progressive’s Snapshot Program provides up to 15% discount, allowing safe drivers to save significantly on their premiums.
• High Safe Driver Discounts: Progressive car insurance review, highlights its notable feature of offering a substantial discount of up to 20% to safe drivers, encouraging and incentivizing responsible driving behavior.
• Innovative Technology: Utilizes cutting-edge technology in the Snapshot Program, appealing to tech-savvy customers seeking a data-driven approach.

Cons

• Varied Customer Service Reviews: Customer service experiences can be inconsistent, with some customers reporting issues in communication and support.
• Price Fluctuations: Progressive’s rates may vary widely based on individual circumstances, making it essential to regularly review and compare quotes.

#3 – Farmers: Best for Safety Driving

Pros

• Safe Driving Discounts: Farmers offers up to 10% discount for safe driving, rewarding customers with a clean driving record.
• Customizable Policies: Known for providing a range of coverage options, Farmers allows customers to tailor policies to their specific needs.
• Multi-Policy Discounts: Farmers car insurance review highlights potential savings through bundled home and car insurance policies, with discounts available.

Cons

• Limited Digital Experience: Farmers may have a less intuitive online interface compared to some competitors, potentially affecting user experience.
• Coverage Gaps: Some policyholders report gaps in coverage or misunderstandings about the extent of their policies, requiring thorough policy review.

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#4 – Liberty Mutual: Best for Savings

Pros

• Multi-Policy Discounts: Liberty Mutual stands out with up to 18% discounts for multi-policy holders, offering substantial savings for bundling insurance needs.
• Robust Coverage Options: Known for providing a wide array of coverage options, Liberty Mutual allows customers to customize policies to suit their specific requirements.
• User-Friendly Online Platform: Liberty Mutual car insurance review highlights its emphasis on providing policyholders with a hassle-free online platform, facilitating easy management of accounts and information accessibility.

Cons

• Variable Customer Service: Customer service experiences may vary, with some customers reporting challenges in communication and claims processing.
• Policy Cost: While offering discounts, Liberty Mutual’s base premiums might be relatively higher compared to some competitors.

#5 – State Farm: Best for Agents Assurance

Pros

• Extensive Agent Network: State Farm’s extensive agent network provides personalized service, making it convenient for customers who prefer a more hands-on approach.
• Safe Driver Discounts: Offers up to 16% discounts for safe drivers, encouraging and rewarding good driving habits.
• Customizable Policies: State Farm car insurance review highlights the ability for policyholders to customize coverage according to their specific needs, offering flexibility to accommodate individual requirements.

Cons

• Potentially Higher Rates: Some customers report that State Farm’s rates may be higher compared to other insurers, especially for certain demographics.
• Online Experience: While improving, the online experience may not be as seamless or feature-rich as some of its competitors.

#6 – Safeco: Best for Driving Confidence

Pros

• Diminishing Deductible: Safeco car insurance review highlights the benefit of their diminishing deductible program, which offers decreasing deductible amounts as a reward for safe driving behavior
• Customized Coverage: Known for offering customizable coverage options, Safeco allows policyholders to tailor their insurance to fit their unique needs.
• Claims Satisfaction: Receives positive reviews for claims satisfaction, indicating a relatively smooth process for handling claims.

Cons

• Limited Availability: Safeco may not be available in all states, potentially restricting access for customers in certain regions.
• Average Safe Driver Discounts: While offering safe driver discounts, Safeco’s percentages may be relatively lower compared to some competitors.

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#7 – Travelers: Best for Smart Moves

Pros

• Intellidrive Program: Offers up to 17% discounts through the Intellidrive Program, appealing to tech-savvy customers interested in usage-based insurance.
• Multi-Policy Discounts: Provides additional savings through multi-policy discounts, encouraging customers to bundle their insurance needs.
• Financial Stability: Travelers car insurance review highlights the company’s strong financial stability, ensuring it can fulfill its financial commitments effectively.

Cons

• Customer Service Challenges: Some customers report challenges in customer service responsiveness and claim processing.
• Limited Local Agents: While offering online services, Travelers may have fewer local agents, potentially affecting customers who prefer in-person assistance.

#8 – AAA: Best for Beyond Insurance

Pros

• Membership Benefits: AAA offers unique membership benefits beyond insurance, including roadside assistance and travel discounts, providing added value to policyholders.
• Safe Driver Discounts: AAA car insurance review offers discounts of up to 16% to incentivize and recognize safe driving behaviors, fostering a culture of promoting and rewarding responsible driving practices.
• Established Reputation: With its long-established reputation, AAA brings a sense of trust and reliability to its insurance offerings.

Cons

• Membership Required: To access insurance, customers need to be AAA members, potentially limiting accessibility for those not interested in additional membership fees.
• Policy Cost: While offering discounts, AAA’s premiums might be relatively higher compared to some competitors.

#9 – The Hartford: Best for Healing Hands

Pros

• Recovercare Assistance: Stands out with up to 22% discounts and Recovercare Assistance, providing additional support for policyholders recovering from accidents. To gain further insights, consult our comprehensive guide titled “Understanding Car Accidents.”
• Competitive Safe Driver Discounts: Offers up to 16% discounts for safe driving, promoting and rewarding good driving habits.
• Customizable Policies: Known for providing a range of coverage options, allowing customers to tailor policies to their specific needs.

Cons

• Variable Customer Service: Customer service experiences may vary, with some customers reporting challenges in communication and claims processing.
• Policy Cost: While offering discounts, Hartford’s base premiums might be relatively higher compared to some competitors.

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#10 – Geico: Best for Driving Smart

Pros

• DriveEasy Program: Geico offers up to 18% discounts through the DriveEasy program, utilizing telematics to reward safe driving habits.
• Competitive Rates: Geico car insurance review often highlights the company’s reputation for offering affordable rates, appealing particularly to drivers mindful of their budgets.
• Digital Innovation: Geico’s strong digital presence and online tools provide convenience for policyholders managing their accounts.

Cons

• Limited Agent Interaction: Customers seeking personalized, face-to-face interactions may find Geico’s reliance on digital channels less appealing.
• Variable Customer Service: Customer service experiences may vary, with some customers reporting challenges in communication and claims processing.

Best Insurance Providers for Drivers With Speeding Violations

Having a speeding ticket will probably lead to higher insurance rates across all companies, including Geico. Your best bet is to compare rates from different insurers and explore discounts to minimize the impact on your bill. For additional details, explore our comprehensive resource titled “15 Traffic Tickets that Raise Car Insurance Rates.”

Comparison of car insurance coverage rates among top providers shows varied options. Auto Owners offers budget-friendly rates: $40 for minimum coverage and $105 for full coverage. Progressive balances cost and benefits, with rates of $52 for minimum and $140 for full coverage, featuring benefits from the Snapshot Program.

Car Insurance for Drivers With Speeding Tickets: Monthly Rates by Coverage Level & Provider

Farmers positions itself with rates starting at $66 for minimum and $173 for full coverage. Liberty Mutual focuses on comprehensive security at rates starting from $81 for minimum to $212 for full coverage. State Farm offers cost-effective choices at $37 for minimum and $96 for full coverage. Safeco emphasizes economy at $34 for minimum and $89 for full coverage.

Travelers combines affordability with the Intellidrive Program at $51 for minimum and $134 for full coverage. AAA balances pricing and membership benefits, starting at $41 for minimum and reaching $108 for full coverage. Hartford stands out with competitive rates and RecoverCare Assistance at $52 for minimum and $136 for full coverage.

Geico maintains affordability without compromise at $39 for minimum and $106 for full coverage. These specific rates showcase the nuanced offerings, enabling drivers to align their choices with both financial considerations and coverage needs.

Utilizing Driving Courses to Mitigate Speeding Ticket Penalties

While you do not have to go out of your way to inform the insurance company, you should always be truthful if asked during any application for coverage. Also, insurance companies will check the department of motor vehicles (DMV) record in your state from time to time or when you apply for a new policy. If you have points related to excessive speed, this will also trigger an increase.

Some states allow you to take a safe driver course, open to those with a moving violation that is not overly serious (such as carelessness, negligence, or a DUI.). According to the Michigan Department of State, they offer a Basic Driver Improvement Course. If you successfully pass this course, they’ll send a notification to the Department of State, and the DMV will not add the related points to your driver’s record. 

In addition, they won’t show the ticket information to the insurance companies. While a certain amount of information will remain on your record, this will only be visible to the courts. Note you would still have to pay court fees or fines, even if you pass the improvement course.

In Washington D.C., the government also has a defensive driving course that you can take online. If you pass this, you can apply to have your points removed from the driving record, and according to the official website, you can take the course to “avoid insurance premium increases.” Still, such a decision is down to the insurance company.

In most cases, you will not be eligible to take a defensive driver course if you have multiple traffic infractions or speeding violations. For example, you cannot take the Michigan course if you have already avoided points by using the program in the past.

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Case Studies: Navigating Insurance Solutions in Smart Driving and Savings

Utilizing the knowledge gained from this information and adopting safe driving practices aren’t just about safeguarding yourself while behind the wheel; they’re also about enhancing your overall financial health.

• Case Study #1 –  Grace Under Pressure: Despite a speeding ticket, John benefited from Auto Owners’ Accident Forgiveness, receiving up to 12% off premiums and an additional 17% for safe driving, showcasing its effectiveness in maintaining his rates and providing financial relief.
• Case Study #2 – Innovation in Savings: Emma, a tech-savvy driver, opted for Progressive’s Snapshot Program, earning up to 15% discounts for safe driving. With tailored telematics, she gained control over her premiums, enjoying both savings and peace of mind.
• Case Study #3 – Safe Driving and Smart Savings: Despite a past speeding ticket, Alex opted for Farmers Insurance for Safe Driving discounts, getting competitive rates up to 10% off, balancing affordability with quality coverage and feeling valued for his responsible driving. To learn more, explore our comprehensive resource on commercial auto insurance titled “Smart Car Insurance.”

By utilizing the information provided here and adopting safe driving practices, you’re not just safeguarding yourself on the road but also optimizing your financial stability.

Taking steps to understand your coverage options, comparing different insurance providers, and prioritizing safe driving habits can all contribute to lower premiums and better overall protection.

Summary: The Influence of Speeding Tickets on Car Insurance Rates

When it comes to car insurance and speeding tickets, expect a rate increase. Yet, you can offset it with discounts. Paying in full upfront, having multiple household vehicles, or opting for automatic payments could help lower your premium.

Since there are various car insurance payment methods, this might be a nice benefit if you can take advantage. In addition, others may be willing to reduce your rate if you fit anti-theft devices into your vehicle. Most insurance companies will increase the cost of your car insurance if a court convicts you of speeding.

Need the cheapest car insurance possible? Enter your ZIP code below into our free comparison tool to find the most affordable rates for your vehicle.

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