The top providers for cheap car insurance after speeding tickets are USAA, State Farm, and Geico, offering affordable rates starting as low as $26 per month.

USAA is the overall best choice for military members and their families, while State Farm and Geico provide solid savings and extensive discounts for a broader range of drivers.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$26	A++	Customer Service	USAA
	#2	$38	B	Cheap Rates	State Farm
	#3	$40	A++	Extensive Discounts	Geico
	#4	$51	A++	Flexible Policies	Travelers
	#5	$52	A+	Qualifying Coverage	Progressive
	#6	$53	A+	Bundle Discounts	Nationwide
	#7	$66	A	Policy Options	Farmers
	#8	$73	A+	Comprehensive Coverage	Allstate
	#9	$82	A	Customizable Policies	Liberty Mutual
	#10	$106	A	High-Risk Coverage	The General

Does a speeding ticket affect your car insurance rates? Yes, but these companies stand out with flexible coverage options, strong financial ratings, and innovative tools that help you manage insurance costs after a ticket.

With the right provider, finding cheap car insurance after a speeding ticket is easier than you think. Enter your ZIP code above to begin.

What You Should Know

• USAA offers cheap car insurance after speeding tickets at $26/month
• State Farm and Geico provide competitive options for speeding violations
• Insurers offer discounts and flexible policies for speeding tickets

#1 – USAA: Top Overall Pick

Pros

• Affordable Rates: USAA offers extremely competitive rates, with car insurance after speeding tickets starting at just $26 per month.
• Top-Rated Customer Service: USAA is ideal for helping customers find cheap auto insurance after speeding tickets. Check out USAA customer reviews for real member feedback.
• A++ Financial Strength: USAA’s A++ rating from A.M. Best guarantees strong financial stability, making it a reliable choice for car insurance after speeding tickets.

Cons

• Military-Only Eligibility: USAA is limited to military members and their families, meaning not everyone can access its affordable car insurance with speeding tickets.
• Limited Discounts: Compared to other providers, USAA may offer fewer discounts on car insurance after speeding tickets, limiting savings opportunities.

#2 – State Farm: Best for Cheap Rates

Pros

• Cheap Rates: With car insurance after speeding tickets starting at $38 per month, State Farm provides some of the most affordable coverage for high-risk drivers.
• Strong Nationwide Presence: State Farm has cheap insurance after speeding tickets in all states. Check State Farm insurance customer reviews for insights.
• Good Coverage Options: State Farm offers car insurance coverage ensures drivers get the protection they need even after speeding tickets.

Cons

• B Financial Rating: State Farm’s B rating from A.M. Best indicates slightly lower financial stability than other top insurers for coverage after speeding tickets.
• Fewer Discounts for High-Risk Drivers: While rates are competitive, there may be fewer discounts for car insurance after speeding tickets than with other providers.

#3 – Geico: Best for Extensive Discounts

Pros

• Extensive Discounts: Geico is well-known for its wide range of discounts, making car insurance after speeding tickets more affordable for many drivers.
• A++ Financial Strength: With an A++ rating, Geico provides peace of mind for those seeking reliable insurance with speeding tickets.
• Online Tools: Geico offers online tools for managing car insurance after speeding tickets. Check a Geico renters insurance review to see how it compares in various situations.

Cons

• Customer Service: Geico’s lower customer service rating suggests drivers manage expectations for help with car insurance after speeding tickets.
• Rates Can Vary: While Geico offers affordable rates, drivers with speeding tickets may find their premiums fluctuate based on individual risk factors.

#4 – Travelers: Best for Flexible Policies

Pros

• Flexible Policies: Travelers stands out for its customizable policy options, which are ideal for those seeking car insurance after speeding tickets tailored to specific needs.
• A++ Financial Rating: Travelers is a stable and reliable provider of car insurance after speeding tickets. Read Travelers customer reviews for more ratings.
• Innovative Features: Travelers offers unique policy features like accident forgiveness, which can benefit drivers seeking car insurance after speeding tickets.

Cons

• Higher Monthly Rates: Travelers’ car insurance after speeding tickets starts at $51/month, higher than others.
• Limited Discount Programs: Travelers offer fewer discount programs, making car insurance after speeding tickets potentially less affordable for some drivers.

#5 – Progressive: Best for Qualifying Coverage

Pros

• Qualifying Coverage Options: Progressive offers a variety of coverage options specifically designed for drivers seeking cheap insurance after speeding tickets.
• A+ Financial Rating: Progressive’s A+ rating from A.M. Best ensures financial stability for customers needing reliable car insurance after speeding tickets.
• Snapshot Program: Progressive’s usage-based insurance can help lower car insurance costs after speeding tickets by evaluating and rewarding safer driving habits.

Cons

• Mid-Tier Pricing: With monthly rates starting at $52, Progressive’s car insurance after speeding tickets isn’t the cheapest.
• Complex Discount Structure: Qualifying for Progressive car insurance discounts after speeding tickets can be tricky. Check Progressive customer reviews for tips.

#6 – Nationwide: Best for Bundle Discounts

Pros

• Bundle Discounts: Nationwide offers savings for bundling, making car insurance after speeding tickets more affordable. Check Nationwide customer reviews for details.
• A+ Financial Rating: Nationwide’s solid financial rating ensures peace of mind for drivers seeking cheap auto insurance after speeding tickets.
• SmartMiles Program: The mileage-based SmartMiles program allows drivers to potentially lower their car insurance rates after speeding tickets by driving less.

Cons

• Higher Base Rates: With monthly rates starting at $53, Nationwide insurance after speeding tickets can be more expensive than other top providers.
• Fewer Local Agents: Nationwide has fewer local agents, which may be a drawback for those wanting face-to-face help with car insurance.

#7 – Farmers: Best for Policy Options

Pros

• Comprehensive Policy Options: Farmers offers a wide range of policy options, making it easier to find car insurance after speeding tickets that fit specific needs.
• Financial Stability: Farmers have an A rating from A.M. Best. Check Farmers Insurance reviews for more ratings.
• Available Discounts: Farmers provide various discount opportunities, helping drivers save money on car insurance after speeding tickets.

Cons

• Higher Premiums: With rates starting at $66/month, Farmers car insurance after speeding tickets tends to be on the more expensive side.
• Limited Digital Tools: Farmers’ online and digital tools for managing car insurance after speeding tickets are not as advanced as those offered by competitors like Geico.

#8 – Allstate: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: Allstate’s coverage options are extensive, providing robust protection for drivers seeking cheap car insurance after speeding tickets.
• A+ Financial Strength: Its high financial rating ensures reliable claims handling for drivers with speeding tickets.
• Accident Forgiveness: Allstate’s accident forgiveness helps drivers maintain cheap car insurance with speeding tickets if they're still accident-free. See Allstate insurance reviews for more.

Cons

• Higher Rates: Monthly car insurance after speeding tickets starts at $73 with Allstate, significantly higher than many competitors.
• Mixed Customer Satisfaction: Some customers report lower satisfaction with Allstate, which may concern drivers seeking car insurance after speeding tickets.

#9 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Liberty Mutual offers highly customizable policies, making it a strong choice for drivers looking for tailored car insurance after speeding tickets.
• Telematics Discount: Liberty Mutual RightTrack can help drivers with speeding tickets lower their car insurance rates by tracking driving behavior.
• A Financial Strength: Liberty Mutual’s A rating ensures financial reliability when it comes to car insurance claims after speeding tickets.

Cons

• Higher Rates: Liberty Mutual’s car insurance after speeding tickets starts at $82 monthly, making it pricey. Read more in Liberty Mutual customer reviews.
• Complex Discounts: Liberty Mutual’s discount programs can be harder to qualify for if you have too many speeding tickets on your record.

#10 – The General: Best for High-Risk Coverage

Pros

• Specialized in High-Risk Coverage: The General is known for providing high-risk car insurance for drivers with multiple speeding tickets or reckless driving charges.
• Flexible Payment Options: The General provides flexible payment plans, which can help high-risk drivers manage the cost of car insurance after speeding tickets.
• A Financial Strength: The General’s A rating indicates solid financial health, ensuring reliability for policyholders with car insurance and speeding tickets.

Cons

• Highest Rates: With car insurance rates after speeding tickets starting at $106/month, The General is the most expensive option among the listed companies.
• Limited Discounts: The General has fewer discounts, making it harder to find cheap auto insurance after speeding tickets. Read more in The General auto insurance reviews.

Car Insurance Rates After Speeding Tickets: Minimum vs. Full Coverage

Finding affordable car insurance after speeding tickets involves comparing top providers. USAA is ideal for military car insurance, offering rates as low as $26 per month, but it has limited availability. State Farm provides rates of around $38 for low-cost coverage but offers fewer discounts for high-risk drivers.

Insurance Company	Minimum Coverage	Full Coverage
	$73	$188
	$66	$173
	$40	$106
	$82	$212
	$53	$137
	$52	$140
	$38	$96
	$106	$277
	$51	$134
	$26	$67

Geico, starting at $40/month, offers a wide range of discounts and strong financial stability, while The General caters to high-risk drivers, with comprehensive coverage starting at $106 per month.

Minimum coverage meets state liability requirements and is the most affordable, with USAA at $26/month, State Farm at $38/month, and Geico at $40/month. In contrast, full coverage, which includes comprehensive coverage and collision insurance, is pricier, with Geico offering plans from $106 and State Farm from $96.

The General's full coverage auto insurance after speeding tickets starts at $277/month. Your rates may increase after an at-fault accident, but you can find the best options using our free comparison tool.

Reducing Car Insurance After Speeding Tickets with Safety Features and Discounts

Even after receiving a speeding ticket, you can still get cheap car insurance by adding safety features and exploring available discounts. Many insurers offer incentives for vehicles equipped with modern safety technologies.

Insurance Company	Available Discount
	Safe driving, bundling policies, new car, anti-theft, automatic payments, smart student.
	Bundling policies, signal app, new car, multi-vehicle, pay-in-full.
	Defensive driving, multi-policy, good driver, safety features, anti-theft.
	Multi-policy, vehicle safety features, right track app, paperless billing.
	SmartRide, multi-policy, good student, accident-free.
	Snapshot program, multi-policy, pay-in-full, good student, paperless.
	Drive Safe & Save, accident-free, multi-policy, safe vehicle.
	Liability-only policies, multi-vehicle, homeowner’s discount, automatic payments.
	IntelliDrive app, bundling, good student, multi-vehicle.
	SafePilot, multi-policy, loyalty discount, good student, military.

For instance, anti-lock brakes (ABS) can qualify you for car insurance discounts with companies like Geico and State Farm. Full-front and side airbags also help lower premiums by minimizing injury severity in collisions.

Installing anti-theft devices can lower insurance rates, with companies like Nationwide and Travelers offering discounts. Additionally, bundling auto and home insurance can result in savings.

Affordable Car Insurance Options After Speeding Tickets

Finding cheap car insurance after speeding tickets is possible, especially from USAA, State Farm, and Geico. Each company offers competitive rates, with USAA providing the lowest starting rate of $26 per month for military members.

How long does a speeding ticket stay on your record? Tickets can stay on your record for up to five years, so compare companies, coverage options, and customer reviews to find the best insurance policy that fits your needs.

Find cheap car insurance quotes by entering your ZIP code.