Best Car Insurance Companies for People With Speeding Tickets

You may be worried about your car insurance if you have recently received a speeding ticket. You’re probably wondering if your rates will increase and if you will now have to pay a lot more for your driving privileges. This may also lead you to be interested in looking for the best insurance companies for speeding tickets on a record.

Do insurance companies approach these tickets differently, and could you save by changing your company? What are the best insurance companies for people with speeding tickets? We’ve investigated this subject and provided you with answers below.

What are the best insurance companies if you have speeding tickets?

Unfortunately, all insurance companies are likely to increase your rates when it’s found out you have a speeding ticket. For example, if you have GEICO and a speeding ticket, they will no doubt raise your current rate. Your best solution here is to shop around and compare the rates given your new situation and look at other discounts to help you reduce the total cost of your bill.

If you get a speeding ticket, do insurance companies need to know?

While you do not have to go out of your way to inform the insurance company, you should always be truthful if asked during any application for coverage. Also, insurance companies will check the department of motor vehicles (DMV) record in your state from time to time or when you apply for a new policy. If you have points related to excessive speed, this will also trigger an increase.

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Can you take a driving course to offset a speeding ticket?

Some states allow you to take a safe driver course, open to those with a moving violation that is not overly serious (such as carelessness, negligence, or a DUI.). According to the Michigan Department of State, they offer a Basic Driver Improvement Course. If you successfully pass this course, they’ll send a notification to the Department of State, and the DMV will not add the related points to your driver’s record. 

In addition, they won’t show the ticket information to the insurance companies. While a certain amount of information will remain on your record, this will only be visible to the courts. Note you would still have to pay court fees or fines, even if you pass the improvement course.

In Washington D.C., the government also has a defensive driving course that you can take online. If you pass this, you can apply to have your points removed from the driving record, and according to the official website, you can take the course to “avoid insurance premium increases.” Still, such a decision is down to the insurance company.

In most cases, you will not be eligible to take a defensive driver course if you have multiple traffic infractions or speeding violations. For example, you cannot take the Michigan course if you have already avoided points by using the program in the past.

How long do points from speeding tickets stay on your record?

This will vary according to the state you live in. For example, points will stay on your driving record for two years in Washington D.C.

What about car insurance discounts to help offset the increase?

When it comes to car insurance and speeding tickets, it’s difficult to avoid a rate increase. However, you may be able to apply for discounts or even stack multiple discounts, to bring your increasing rate back down.

For example, you may get a discount if you can pay in full when you start your policy. If you have multiple vehicles in the same household, this may also qualify for a lower rate. Some insurance companies may offer discounts if you sign up for automatic or direct debit payment. Since there are many different types of car insurance payment options, this might be a nice benefit if you can take advantage. 

In addition, others may be willing to reduce your rate if you fit anti-theft devices into your vehicle.

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What is the impact of a speeding ticket on your car insurance?

Most insurance companies will increase the cost of your car insurance if a court convicts you of speeding. You should shop around to compare rates or see if you can get some additional discounts to help offset the increase. Some jurisdictions may allow you to take a defensive driving course that may help you to avoid any insurance hike.

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