The Best Auto Insurance With a Speeding Ticket of 2024

In 2022, State Farm will have been around for 100 years. Rather than rest on its laurels, the company continues to find ways to serve its customers. In addition to financial stability (with an AA++ rating from A.M. Best), State Farm offers highly rated customer service, growing digital access, and multiple discounts on car insurance. In short, State Farm comes as a bit of a surprise. When comparing rates, we found that State Farm routinely gives fintech auto insurance companies a run for their money. Not only are its rates competitive, but State Farm has nearly 100 years of history and full coffers backing up its promises.

State Farm's average annual rate for drivers with a speeding ticket is $2,229.

USAA is known for providing top-notch protection to military members and their families. What some people may not know, though, is that USAA offers things like free accident forgiveness coverage after five years, premiums that almost always beat its competitors, extremely high customer service ratings, and tons of potential policy discounts.

USAA rewards military members with a discounted average premium rate of $1,703, even with a speeding ticket.

Allstate -- another well-known name in auto insurance -- has found innovative ways for drivers to save money. With Allstate's Milewise program, policyholders pay coverage based on the miles they drive. For example, drivers who travel 3,000 miles a year can save up to 61% on their premiums. And unlike many start-up car insurance companies, Allstate offers in-person support from agents across the country. This is one way drivers with a speeding ticket on their record can land personalized service with a dedicated agent.

Allstate's average annual rate for a driver with a speeding ticket is $2,785.

Whether they have a speeding ticket or not, policyholders with Farmers have the opportunity to choose their own coverage. Once a driver's basic coverage needs are met, upgrades are plentiful. For example, there's coverage for spare parts, accident forgiveness, customized equipment, rideshare, rental car reimbursement, towing and roadside service, and more. Farmers is great for drivers who want to pick and choose the coverage that will help them rest easiest at night.

A driver with a speeding ticket can expect to pay somewhere around $2,644 annually for a policy with Farmers.

Progressive's "Name Your Price" tool allows drivers to see how much coverage they can afford before buying. Once a driver specifies a budget, the company displays how much coverage they can afford. The Name Your Price tool gives drivers a chance to adjust their budget until they find the precise level of coverage they require at a price they can afford.

Progressive's average annual rate for a driver with a speeding ticket is $2,275.

For cheap car insurance, there's no company in the market quite like Geico. Not only does Geico provide online quotes in minutes, but if a driver likes the quote, they can purchase a policy from the comfort of home. Geico is well-known for its easy accessibility and high J.D. Power ranking for customer service.

The average annual rate for a Geico policy for drivers with a single speeding ticket is $1,847.