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Cheap car insurance with speeding tickets or citations

Having traffic tickets, moving violations, and other infractions on your driving record can make it difficult to find cheap car insurance. Most drivers know that a speeding ticket affects your insurance rates, but many don't realize just how much of a premium increase to expect. Even a first offense can cause your rates to increase substantially, as an average speeding violation increases rates by about $385 per year. Essentially, if your record reflects a number of moving violations or accidents, insurers will consider you a high-risk driver.

It's likely that your state's department of motor vehicles employs a point system to track infractions. While it's not likely that these point values will matter to your insurer, you can rest assured that the traffic violations that they represent will. State laws differ widely, but all driving infractions will reflect poorly on your ability to find cheap insurance. It's likely that you'll also be discounted from certain discounts or other perks, such as for being a safe driver.

While the term “violation” is broad, this article focuses on the traffic violations most likely to trigger a car insurance rate increase. Below you'll find an analysis of car insurance rate increases from top providers for the following driving violations: speeding (16-20 MPH over the limit), driving with an open container, reckless driving, and DUI.


Getting cheap car insurance with a violation on your driving record
  1. How much does a speeding ticket raise your car insurance rates?
  2. What’s the cheapest insurance company with an open container violation?
  3. What’s the cheapest insurance company with a reckless driving ticket?
  4. What’s the cheapest insurance company with a DUI?
  5. What are some other ways to save?
  6. Additional resources



Cheapest insurance company with a speeding ticket

Of the violations we analyzed, a speeding ticket is the least costly. On average, a speeding ticket will raise your car insurance premium an average of $385 per year. If you’ve been ticketed for driving 16-20 MPH over the speed limit, USAA and State Farm may be the cheapest car insurance options for you. See the below table to see how this ticket affects your insurance costs.


Insurance company Premium without violation Premium with speeding ticket % Increase
Allstate $944 $1,161 22.9%
Farmers $762 $976 27.9%
GEICO $638 $790 23.8%
Liberty Mutual $823 $1,007 22.2%
Nationwide $673 $864 28.2%
Progressive $802 $1,036 29.2%
State Farm $656 $745 13.47%
USAA $474 $548 15.6%




Cheapest car insurance with an open container violation

Although the violations are similar in nature, an open container violation on your insurance record will cost you half as much as will a DUI violation. On average, this citation will increase your premium by an average of $537 per year. State Farm and USAA offer the cheapest car insurance after an open container ticket.


Insurance company Premium without violation Premium with open container violation % Increase
Allstate $944 $1,081 14.5%
Farmers $762 $1,031 35.7%
GEICO $638 $963 51%
Liberty Mutual $823 $1,183 43.65%
Nationwide $673 $1,138 69%
Progressive $802 $1,015 26.5%
State Farm $656 $769 17.2%
USAA $474 $664 40%




Cheapest insurance company with a reckless driving citation

Reckless driving is generally defined as careless driving, improper driving, or driving without due care and attention. A reckless driving citation is costly from an insurance perspective. On average, it will bump up your annual premium by more than $1,000. If you’ve been cited for reckless driving and don't qualify for USAA, consider starting your search with State Farm and Progressive.


Insurance company Premium without violation Premium with reckless driving violation % Increase
Allstate $944 $1,767 87.2%
Farmers $762 $1,432 87.7%
GEICO $638 $1,227 92.4%
Liberty Mutual $823 $1,275 54.8%
Nationwide $673 $1,481 119.8%
Progressive $802 $1,188 48.1%
State Farm $656 $965 47%
USAA $474 $681 43.6%




Cheapest car insurance with a DUI

DUI citations are fairly common across the US, but that doesn’t make them inexpensive. In most states, a DUI or DWI violation is the most expensive ticket you can receive, insurance-wise. On average, having a DUI on your record will increase your annual premium by $1,099 — making it the third most costly violation a motorist can be cited for. If you’ve been charged with a DUI, your best bet for cheap car insurance is going with State Farm if you do not qualify for USAA.


Insurance company Premium without violation Premium with DUI % Increase
Allstate $944 $1,817 92.4%
Farmers $762 $1,316 72.5%
GEICO $638 $1,323 107.4%
Liberty Mutual $823 $1,317 59.9%
Nationwide $673 $1,546 129.5%
Progressive $802 $1,002 24.9%
State Farm $656 $987 50.3%
USAA $474 $876 84.8%




How to save on car insurance after a speeding ticket, DUI, or other citation

While it can be difficult to find cheap car insurance with a violation on your record, you shouldn’t be complacent and take the first quote you receive. Let’s break down some cost-cutting solutions.


Explore new coverage options every once in a while

It’s a sad truth that vehicles don’t age like fine wine. From an insurance perspective, this means the level of coverage you once carried on your 2000 Mazda might no longer be necessary. Insurance agents advise if your vehicle is worth less than $4,000, you may not need physical — collision and comprehensive — coverage. Also referred to as full coverage, physical damage coverage is only required if you have a loan or lease on your vehicle. If you own your vehicle outright, the only coverage you’re required to carry is your liability coverage. Dropping physical coverage may save you some money each month.


Coverage level Average annual premium
Liability-only $621
$500 deductible $1,453
$1,000 deductible $1,277


You can determine the value of your vehicle by using Kelley Blue Book and NADA guide online (we recommend using both). If your vehicle is worth more than $4,000 but you’re still looking to save, consider raising your deductibles. By raising your deductibles, you take a great amount of financial responsibility from your insurance company, in turn lowering your premium.

Another benefit of raising your deductibles is the reduced financial incentive to file a claim, which can be exceedingly costly.


Be smart with your claims

Because your insurance rates are already higher after a ticket, use caution when adding an at-fault accident to that by filing a claim. If you’ve been in an at-fault accident and you’re thinking about filing a claim, consider the suggestions below.

  • First, get an estimate for the cost of the repairs at a local auto body shop.
  • Use our State of Insurance analysis to see the average rate increase after a claim in your state. Again, consider this data over a three-year period. Factor the cost of your deductible into that as well.
  • If it’s cheaper to pay out-of-pocket, go this route. This way, you’re making the more financially-sound decision over the long run.

We’ve used the phrase “at-fault collision claims” very specifically here. Uninsured motorist property damage and comprehensive claims are, by definition, rated as not-at-fault accidents and thus affect your premium significantly less. Moreover, if you’re the at-fault driver in an accident and the other party does not want to pay out-of-pocket, you're essentially out of luck.


Double-check for discounts

While there will be discounts for which you won't qualify based on your insurance record, there are alternatives worth considering. While some of these are small, they can add up to give you some much-needed relief:

  • Multi-policy discount
  • Paperless discount
  • Payment by bank account
  • Paid in full discount (paying your premium in one payment)
  • Multi-vehicle discount
  • Good student discount
  • Defensive driving course discount



Finding insurance with violations on your insurance record

Just because you have violations on your driving record, doesn’t mean you’re going to be facing higher premiums for the rest of your life. Most states and car insurance companies stop charging you for violations after three years (with the exception of California, which rates DUIs for ten years).

In the meantime, your best bet for finding an affordable insurance policy is to look at as many insurance providers as possible. However, the cheapest company for you will depend on the violation you’re charged with and the myriad of other factors that are considered when insurers calculate your insurance quote. We can help you do most of the legwork by helping you compare rates from insurance companies across the US to find the cheapest premium even with violations or imperfect driving history. Simply enter your ZIP code below to get started on saving.


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Do parking tickets affect insurance?

Parking tickets do not get reported to your state's DMV so this type of ticket won't affect your insurance rate. One major caveat is whether or not you pay off the ticket.
Feb 19, 2016 Atlanta, GA

Can a dismissed ticket affect my insurance?

The only likely scenario in which a dropped ticket would still affect you would be if there was an accident involved. If the ticket was dropped, but your insurance company paid out to any party for a claim, the accident would still show.
Nov 10, 2019 Lumberton, NC

I had an accident when my insurance lapsed

Because you didn't have insurance at the time of the accident, all repairs to the other vehicle and yours will have to be covered out of pocket. I recommend getting a new car insurance quote as fast as possible in order to avoid any additional out of pocket expenses.
Mar 24, 2018 Waynesville, Missouri

Should I file a claim after I've been ticketed for an accident?

Based on the fact that you received a ticket for the accident, the accident will be listed on your motor vehicle report (MVR) regardless if you file a claim or not. Having the accident on MVR means that your insurance rates will be impacted even if you pay out of pocket for the accident.
Jul 28, 2018 Bloomfield, NJ

Ava Lynch photo
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as U.S. News & World Report, GasBuddy, Car and Driver, and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.