Car Insurance with Speeding Tickets or Violations

Auto insurance after a ticket can be expensive — use this information to save.

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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. It is well known that these will result in higher rates. While the term “violation” is broad, this post focuses on the traffic violations most likely to trigger a car insurance rate increase. Speeding (16-20 MPH over the limit), driving with an open container, reckless driving, and DUI are the violations included in our analysis of car insurance rate increases from top providers.

 

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.

 

AVERAGE SIX-MONTH CAR INSURANCE PREMIUMS WITH A SPEEDING TICKET
Insurance companyPremium without violationPremium with speeding ticket% Increase
Allstate$944$1,16122.9%
Farmers$762$97627.9%
GEICO$638$79023.8%
Liberty Mutual$823$1,00722.2%
Nationwide$673$86428.2%
Progressive$802$1,03629.2%
State Farm$656$74513.47%
USAA$474$54815.6%

 

 


 

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.

 

AVERAGE SIX-MONTH CAR INSURANCE PREMIUMS WITH AN OPEN CONTAINER VIOLATION
Insurance companyPremium without violationPremium with open container violation% Increase
Allstate$944$1,08114.5%
Farmers$762$1,03135.7%
GEICO$638$96351%
Liberty Mutual$823$1,18343.65%
Nationwide$673$1,13869%
Progressive$802$1,01526.5%
State Farm$656$76917.2%
USAA$474$66440%

 

 


 

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.

 

AVERAGE SIX-MONTH CAR INSURANCE PREMIUMS WITH A RECKLESS DRIVING CITATION
Insurance companyPremium without violationPremium with reckless driving violation% Increase
Allstate$944$1,76787.2%
Farmers$762$1,43287.7%
GEICO$638$1,22792.4%
Liberty Mutual$823$1,27554.8%
Nationwide$673$1,481119.8%
Progressive$802$1,18848.1%
State Farm$656$96547%
USAA$474$68143.6%

 

 


 

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.

 

AVERAGE SIX-MONTH CAR INSURANCE PREMIUMS WITH A DUI CITATION
Insurance companyPremium without violationPremium with DUI% Increase
Allstate$944$1,81792.4%
Farmers$762$1,31672.5%
GEICO$638$1,323107.4%
Liberty Mutual$823$1,31759.9%
Nationwide$673$1,546129.5%
Progressive$802$1,00224.9%
State Farm$656$98750.3%
USAA$474$87684.8%

 

 


 

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. Physical 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.

 

AUTO INSURANCE RATES BY COVERAGE LEVEL
Coverage levelAverage 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

 


 

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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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.