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So you received a speeding ticket – but you still want to get cheap auto insurance. What’s the solution? Is it possible to get cheap auto insurance even when you have a speeding ticket? Today, we’re answering all your questions about finding cheap auto insurance quotes even when you have one or more speeding tickets.

How Do Speeding Tickets Affect Insurance Rates?

Your driving record is one of several things your insurance company looks at when determining your car insurance premium. Speeding tickets – and other infractions – are part of that record.speeding ticket cheap auto insurance

Insurance companies calculate policy prices in different ways. Sometimes, your insurance company will immediately raise your policy price after a single speeding ticket. In other situations, insurance companies might forgive one or two speeding tickets – especially if you have a long history of safe driving and this is your first offense.

Your insurance company might ignore a speeding ticket if you’re an experienced driver with no other offenses on your recent driving record. However, insurance companies are more likely to punish younger drivers with less driving experience.

Of course, drivers of all ages who have multiple violations on their record are more likely to experience an increase after a speeding ticket. Your insurance company will almost certainly take note if you receive two speeding tickets in a short period of time, for example – even if you have a long and clean driving record.

You Could Lose Safe Driving Bonuses

Keep in mind that many insurance companies reward safe drivers by offering good driving discounts. You might receive a slight reduction in your premium for every year you go without a driving offense.

If you get a speeding ticket, then you might lose any safe driving premiums you’ve established over the years. This could cause your rates to rise immediately.

How Long Do Speeding Tickets Stay on Your Record?

Typically, a speeding ticket will remain on your driving record for 12 to 36 months. However, laws vary between states. In some cases, the speeding ticket will stay on your record even when the associated points were removed – so your insurance company might know about your ticket even when you apply for insurance years after the incident.

In general, you can expect a speeding ticket to stay on your driving record for 36 months – or 3 years. It’s rare for a speeding ticket to disappear after just one or two years.

How to Get Cheap Car Insurance with a Speeding Ticket

Ultimately, the best way to get cheap car insurance with a speeding ticket is to compare as many car insurance quotes as possible.

Not all insurance companies treat speeding tickets equally. Some insurance companies place you in the same category as high-risk drivers that caused serious accidents – even if you just have one speeding ticket. Other insurance companies ignore your first speeding ticket without any penalty.

Here’s another tip for getting cheap car insurance with a speeding ticket: wait a while. Typically, speeding tickets disappear from your record after 12 to 36 months. If you’ve received multiple speeding tickets in a short period of time, then car insurance might be prohibitively expensive for the near future.

In summary, here are some of the ways to save money when shopping for car insurance with a speeding ticket:

Ultimately, your insurance company assesses a number of risk factors to provide you with an insurance plan. One of those risk factors is your driving history. If you have one or more speeding tickets on your driving history, then your insurance company will inevitably judge you to be a riskier driver than someone with no speeding tickets on their driving history, all things being equal.