Our top choices for speeding ticket car insurance companies that are available nationwide are State Farm, Geico and USAA.

USAA: Low Rates for Military

Better Business Bureau (BBB) rating: Not rated

AM Best financial strength rating: A++

USAA offers excellent rates on car insurance, even if you have a recent speeding ticket. Our team has found that USAA’s average insurance rate for a 35-year-old male driver with a traffic ticket for 16-20 MPH over the limit is $118 per month or $1,413 per year. This is below the national average for this driving profile.

USAA Pros and Cons

USAA has built up a good customer service reputation. It scored 890 out of 1,000 points in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study℠, proving itself superior over other insurers throughout the claims process. It also offers add-on insurance offerings such as accident forgiveness, rideshare insurance and rental reimbursement. The downside for many is that USAA auto insurance is only available to military members, veterans and their families. However, if you fall into one of these categories, we recommend obtaining a quote.

Read more: USAA insurance review

State Farm: Editor’s Choice

Better Business Bureau (BBB) rating: A+

AM Best financial strength rating: A++

State Farm’s nationwide availability and low rates in many states make it a great choice for cheap insurance for drivers with a speeding ticket on their driving record. State Farm’s average insurance rate for a driver with a speeding ticket for going 16-20 MPH over the limit is $150 per month or $1,794 per year. This is well below the national average for a 35-year-old male driver.

State Farm Pros and Cons

Known for its reliable customer service, State Farm scored 885 out of 1,000 points in the J.D. Power 2022 U.S. Insurance Shopping Study℠, putting them on top in the large insurers category. In addition, State Farm offers a telematics insurance program called Drive Safe & Save™, which tracks driving habits and rewards drivers for their safe driving. You could be awarded with a discount if you avoid unsafe driving practices while using this app, proving that you’ve learned from your traffic violation.

Read more: State Farm insurance review

Geico: Affordable for Most Drivers

Better Business Bureau (BBB) rating: A+

AM Best financial strength rating: A++

Geico offers affordable rates for most drivers, and this doesn’t exclude drivers with a speeding ticket. The average rate from Geico for a 35-year-old male driver with a speeding ticket for driving 16-20 MPH over the speed limit is $155 per month or $1,856 per year. This puts Geico’s rates under the national average of $193 per month or $2,313 per year for a driver with this profile.

Geico Pros and Cons

According to the J.D. Power 2022 U.S. Auto Insurance Study℠, Geico has strong ratings in the North Central, Northwest, Southwest, Central and New England regions, and scored above the average in each of these areas. In addition, they offer a telematics program called DriveEasy that can help you lower your premium if you practice safe driving habits after your speeding ticket.

Read more: Geico insurance review