Best Car Insurance After a Speeding Ticket in Colorado (See the Top 10 Companies for 2025)
The best car insurance after a speeding ticket in Colorado comes from State Farm, Erie, and Geico, providing the most affordable rates starting at $27/month. They provide excellent coverage options and customer service, making them the best auto insurance companies for drivers after a speeding ticket in Colorado.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Jan 14, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jan 14, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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1,883 reviewsCompany Facts
Full Coverage for Speeding Ticket in CO
A.M. Best Rating
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Pros & Cons
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19,116 reviewsCompany Facts
Full Coverage for Speeding Ticket in CO
A.M. Best Rating
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Pros & Cons
19,116 reviewsThe best car insurance after a speeding ticket in Colorado includes State Farm, Erie, and Geico, with rates starting as low as $27/month.
These providers have competitive prices and comprehensive coverage options, along with solid customer service, pairing them as good choices for drivers getting hit with a larger premium. Best car insurance companies for comprehensive coverage ensures you have the protection you need at a price that works for you.
Our Top 10 Company Picks: Best Car Insurance After a Speeding Ticket in Colorado| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Many Discounts | State Farm |
 | #2 | 25% | A+ | 24/7 Support | Erie |
 | #3 | 25% | A++ | Custom Plan | Geico |
 | #4 | 15% | A | Online App | AAA |
 | #5 | 30% | A+ | Customer Service | Amica |
 | #6 | 25% | A | Student Savings | American Family |
 | #7 | 20% | A | Local Agents | Farmers |
 | #8 | 25% | A | Customizable Polices | Liberty Mutual |
 | #9 | 25% | A+ | Add-on Coverages | Allstate |
 | #10 | 10% | A+ | Innovative Programs | Progressive |
Choosing the right provider can help you manage the financial impact of a speeding ticket while maintaining the coverage you need.
It’s not hard to get cheap car coverage. Use our free comparison tool to see the lowest prices in your area just enter your ZIP code above.
- Find the best car insurance after a speeding ticket in Colorado from $27/month
- Compare top providers like State Farm, Erie, and Geico for competitive pricing
- State Farm is the top pick for its affordable rates and comprehensive coverage
#1 – State Farm: Top Overall Pick
Pros
- Many Discounts: In Colorado, you qualify for discounts from State Farm that can help lower your insurance rates post-speeding ticket. Check out our State Farm review.
- Good Customer Service: State Farm is known for its reliable customer service, making it easier to handle insurance after a speeding ticket in Colorado.
- Flexible Coverage Options: State Farm offers extensive coverage features, and after a speeding ticket in Colorado, you can choose what best suits you.
Cons
- Limited Online Tools: The tools for managing your policy online after a speeding ticket in Colorado may not be as robust as some of the competition.
- Higher Premiums for High-Risk Drivers: State Farm’s premiums for drivers with speeding tickets in Colorado can be higher than those of other companies.
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#2 – Erie: Best for 24/7 Support
Pros
- 24/7 Support: Erie offers 24/7 customer support, making it easier to get help after a speeding ticket in Colorado. Read our Erie review for more details.
- Low Initial Premiums: Erie tends to have lower initial premiums, even for drivers after a speeding ticket in Colorado.
- Discounts for Safe Driving: Erie provides discounts for safe driving, which can help mitigate the impact of a speeding ticket in Colorado over time.
Cons
- Limited Online Tools: Erie’s online tools might not be as user-friendly after a speeding ticket in Colorado.
- Rates May Increase for High-Risk Drivers: For some of the worst offenders, Erie can raise a four-vehicle limit in Colorado by hundreds of dollars following a speeding ticket.
#3 – Geico: Best for Custom Plan
Pros
- Custom Plan: Geico offers customizable plans that allow you to tailor your insurance coverage after a speeding ticket in Colorado.
- Low-Cost Options: Geico provides affordable rates for drivers with speeding tickets in Colorado, especially with their customizable plans. See our Geico review for details.
- Wide Range of Discounts: Geico offers many discounts, including those for safe driving, that can help lower premiums after a speeding ticket in Colorado.
Cons
- Limited Local Agents: Geico’s limited network of local agents can make personal assistance less accessible after a speeding ticket in Colorado.
- Not as Many Local Offices: Geico’s fewer physical locations can make it harder to manage your insurance face-to-face after a speeding ticket in Colorado.
#4 – AAA: Best for Online App
Pros
- Online App: AAA makes it easy to manage your policy and file claims online, so you can get help after a speeding ticket in Colorado as conveniently as possible.
- Discounts for Safe Driving: AAA offers discounts for maintaining a safe driving record, helping to reduce premiums after a speeding ticket in Colorado. Find the full list in our AAA review.
- Reliable Customer Service: When you need help after a speeding ticket in Colorado ,look for AAA because one thing that has remained constant with them over the years is good customer service.
Cons
- Less Flexible Coverage Plans: AAA’s coverage plans may not be as customizable after a speeding ticket in Colorado as those of other providers.
- Additional Fees: AAA charges an additional fee for some of its coverages or services, which can affect how much you pay out-of-pocket after a speeding ticket in Colorado.
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#5 – Amica: Best for Customer Service
Pros
- Excellent Customer Service: Amica has great customer service, which can go a long way when you have to deal with insurance after a Colorado speeding ticket.
- Discounts for Safe Drivers: Amica offers various discounts for safe driving, which can help reduce premiums after a speeding ticket in Colorado.
- Flexible Payment Options: Amica provides flexible payment options to help manage costs after a speeding ticket in Colorado. Discover details in our Amica review.
Cons
- Complex Online Tools: Following a speeding infraction in Colorado, you might find that Amica’s online tools aren’t quite so seamless, and managing your policy could be difficult.
- Higher Rates After Violations: Amica may raise rates significantly after a speeding ticket in Colorado, especially for higher-risk drivers.
#6 – American Family: Best for Student Savings
Pros
- Discounts for Students: American Family offers student discounts after a speeding ticket in Colorado, which can help reduce rate increases. Read our review of American Family for full details.
- Comprehensive Coverage: The company provides robust coverage options, including after a speeding ticket in Colorado, to protect drivers from additional incidents.
- Accident Forgiveness: American Family offers accident forgiveness programs, which may help reduce the impact of a speeding ticket on your premiums over time in Colorado.
Cons
- Fewer Discounts for Non-Students: Colorado drivers who aren’t students may lose some discounts that drop after a speeding ticket.
- Claims Handling: Some customers complain that when they endure an accident, the process to file a claim takes longer, which could make things more complicated post-speeding ticket in Colorado.
#7 – Farmers: Best for Local Agents
Pros
- Personalized Support: After a speeding ticket in Colorado, Farmers’ local agent can help you navigate premium increases. Learn more in our Farmers review.
- Discounts for Safe Drivers: Farmers will lower your rates after a speeding ticket in Colorado if you take a defensive driving course.
- Flexibility in Coverage: Farmers insurance allows you to adjust coverage, so shortly after a ticket, the most ideal combination of price and protection can be made.
Cons
- No Speeding Ticket Forgiveness: Farmers do not have a specific program to forgive speeding tickets, meaning higher rates may persist after a violation in Colorado.
- Higher Minimum Coverage: Farmers hit hard with an expense load after a speeding ticket in Colorado.
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#8 – Liberty Mutual: Best for Customizable Polices
Pros
- Customizable Coverage Options: Liberty Mutual works to meet the needs of customized line items while providing slightly more flexibility after a Colorado speeding ticket than some other companies. Explore our Liberty Mutual review.
- Discounts for Safety Features: In Colorado, discounts can help you reduce premiums after a speeding ticket if your vehicle has anti-theft or safety features.
- Online Tools for Easy Management: Following a speeding ticket in Colorado, Liberty Mutual provides online tools to simplify the administration of your coverage and bill payment adjustments.
Cons
- Higher Premiums for Younger Drivers: Liberty Mutual still hits young or new drivers harder years after getting six points for speeding tickets in Colorado.
- Complex Terms: Liberty Mutual has confusing policy terms that can make it a little more challenging to know exactly the rate impact of your Colorado’s speeding ticket.
#9 – Allstate: Best for Add-on Coverages
Pros
- Add-on Coverage Options: Though Allstate can issue higher rates after a speeding ticket in Colorado, it provides options to add greater coverage (like accident forgiveness or rental car coverage) for increased premiums.
- Safe Driving Bonus: After a speeding ticket in Colorado, Allstate offers a bonus for drivers who maintain safe driving practices, which can help reduce rates over time. Get a complete view in our Allstate review.
- Flexible Coverage Plans: Allstate offers flexible add-on coverage that can help offset the higher insurance rates you might face after a speeding ticket in Colorado.
Cons
- Price Increases for Multiple Violations: Allstate tends to raise rates considerably after a speeding ticket in Colorado, particularly if you have multiple offenses.
- Complex Coverage Options: Some customers find it confusing to understand the full range of available add-ons after a speeding ticket in Colorado .
#10 – Progressive: Best for Innovative Programs
Pros
- Snapshot Program for Lower Rates: After a speeding ticket in Colorado, Progressive’s Snapshot program can track your driving habits and potentially help lower your rates over time.
- Discounts for Safe Driving: Progressive offers discounts for safe driving, which may help reduce the premium increase caused by a speeding ticket in Colorado. Find more in our Progressive review.
- Affordable High-Risk Coverage: They also tend to have better rates for higher-risk drivers, which can minimize expenses following a speeding ticket in Colorado.
Cons
- Policy Add-ons Can Be Expensive: While Progressive offers many add-on options, these can increase your premiums after a speeding ticket in Colorado.
- Not Ideal for Those with Poor Driving Records: If you have a terrible driving history such as multiple speeding tickets in Colorado, Progressive may not provide the optimal rates or coverage.
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Impact of Speeding Tickets on Car Insurance Rates
In Colorado, speeding tickets are one of the most impactful factors for car insurers. Insurance companies view them as warning signs that you are more likely to cause an accident in the future. When driving over the speed limit, insurers may consider you a more careless or reckless driver which can lead to higher insurance premiums.
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Explore the monthly rates for car insurance in Colorado after receiving a speeding ticket. The table compares the cost of minimum and full coverage auto insurance from top providers, including AAA, Allstate, American Family, and more. These rates can help you understand the impact a speeding ticket might have on your premiums based on coverage level and insurance company.
Speeding Ticket in Colorado Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $40 | $108 |
| $56 | $186 |
| $42 | $140 |
| $57 | $187 |
| $27 | $70 |
| $62 | $206 |
| $36 | $119 |
| $33 | $109 |
| $47 | $155 |
| $31 | $102 |
Speeding violations incur rates based on how serious the infraction is, your driving history and the insurance company. Severe breaches generally lead to premium boosts, reprimands, factors or cancellation. While certain insurers will forgive a first offense, others dish out severe penalties. There are some actions you can take to ease the effect based on your provider’s policies.
Top Car Insurance Discounts in Colorado After a Speeding Ticket
If you’ve received a speeding ticket in Colorado, you may be wondering how it will affect your car insurance premiums. Fortunately, many top insurance providers offer discounts that can help reduce the financial impact. From the best multi-policy car insurance discounts to defensive driving and claims-free discounts, exploring your options can lead to significant savings.
Car Insurance Discounts From the Top Providers with Speeding Ticket in Colorado| Insurance Company | Available Discount |
|---|---|
| Multi-Policy, Safe Driver, Good Student, Homeowner, Defensive Driving Discounts |
| Drivewise, Multi-Policy, Anti-Theft, Good Student, Early Signing, Claim-Free Discounts |
| Smart Start, Multi-Policy, Safe Driver, Defensive Driving, Homeowner Discounts |
| Loyalty, Multi-Line, Good Student, Defensive Driving, Paid in Full, Vehicle Safety Discounts |
| Multi-Policy, Safe Driver, Young Driver, Defensive Driving, Paid in Full Discounts |
| Signal App, Good Student, Multi-Policy, Vehicle Safety, Claims-Free Discounts |
| DriveEasy, Military, Good Student, Multi-Policy, Vehicle Safety, Anti-Theft Discounts |
| RightTrack, New Vehicle, Multi-Policy, Good Student, Claims-Free, Vehicle Safety Discounts |
| Snapshot, Multi-Policy, Homeowner, Good Student, Paid in Full, Claims-Free Discounts |
| Drive Safe & Save, Good Student, Multi-Policy, Defensive Driving, Claims-Free Discounts |
Compare Colorado car insurance discounts from major providers post speeding ticket discounts include multi-policy, defensive driving, good student, and claims-free discounts that may help reduce your rates. To soften the blow of a speeding ticket on your premiums, every insurer has a number of discounts available.
As such, being aware of the discounts available with some of Colorado’s leading insurers will assist you in making the right decisions towards reducing bad effects that a may encounter on your auto insurance with Standards bank. Best for you to take advantage with those lowered premiums coupled with good coverage.
Understanding Common Car Insurance Claims in Colorado: Costs and City Trends
Knowing which vehicle insurance claims are filed most often in Colorado can enable you to anticipate the financial effects of accidents better. This helps the reader to understand the proportion of claims for property damage, collision, personal injury, etc., along with their average amount, which can be quite beneficial.
Explore the 5 most common car insurance claims in Colorado, including property damage, collision, comprehensive, personal injury, and liability. The table highlights each claim’s share and average cost. For better protection, consider the best car insurance companies for collision coverage.
5 Most Common Car Insurance Claims in Colorado| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Property Damage | 40% | $3,500 |
| Collision | 30% | $4,000 |
| Comprehensive | 15% | $1,500 |
| Personal Injury | 10% | $15,000 |
| Liability | 5% | $10,000 |
Knowing the most common types of car insurance claims in Colorado and their average costs can help you determine what type of coverage you need. Awareness of these claims can help you utilize the right policy without any surprise financial loads after an accident.
Below is an overview of the annual car accident data and total claim amounts for Colorado cities. It gives information about how often accidents happen and claims made in a year for cities like Denver, Colorado Springs, Aurora, and others. Such data will give you an idea of the proportion of accidents in each city and help you know what type of car insurance coverage should be opted for according to the trend.
Colorado Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Aurora | 12,000 | 9,000 |
| Boulder | 5,500 | 4,125 |
| Broomfield | 1,800 | 1,350 |
| Colorado Springs | 15,000 | 11,250 |
| Denver | 20,000 | 15,000 |
| Fort Collins | 7,000 | 5,250 |
| Grand Junction | 3,000 | 2,250 |
| Greeley | 3,500 | 2,625 |
| Loveland | 2,000 | 1,500 |
| Pueblo | 4,500 | 3,375 |
Knowing where accidents and claims in Colorado are more frequent can better inform you when deciding about your auto insurance coverage. When you are aware of the trends in your state, this will help you prepare for risks and have the right protection.
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Colorado’s Point System Explained
For example, exceeding the speed limit by 1-19 mph adds three points to your record, while 20+ mph adds six points. Insurance companies use these points to assess risk and determine premiums. For the best car insurance for high-risk drivers, look for providers that cater to drivers with points.
Three points on your driving record if you drive 1 to 19 mph faster than the speed limit. Going 20 mph or faster over the speed limit means you get six points. These are points that are used by insurance companies to rate your risk as a driver and adjust your rates accordingly.
Colorado Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | B | Frequent hailstorms and occasional snow risks |
| Traffic Density | B+ | Moderate congestion in urban areas |
| Uninsured Drivers Rate | B- | A notable percentage of uninsured drivers |
| Vehicle Theft Rate | C | Higher-than-average theft rates in cities |
Dive into Colorado’s auto insurance report card with grades on average claim size, traffic density, uninsured drivers, weather risk, and vehicle theft rates. Get a breakdown of your car’s grade and an explanation in each category that can affect the premiums you pay.
Colorado Report Card: Car Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Good Driver | A | 20% | Allstate, USAA |
| Multi-Policy | A | 15% | Progressive, American Family |
| Anti-Theft Device | A | 10% | Liberty Mutual, Nationwide |
| Defensive Driving | B | 10% | Geico, State Farm |
| Student Away at School | B | 5% | Farmers, Erie |
Discover Colorado’s car insurance discounts with grades and savings for various categories like good driver, multi-policy, anti-theft devices, and more. See which top providers offer these discounts and how they can help you save on your premiums.
Speeding tickets increase your insurance premiums, and come with fines, and points on your driving history. Knowing how Colorado assesses points for certain driving violations and what your own insurer is likely to do will make it easier for you to avoid making decisions that could harm your driving record.
Effective Ways to Lower Your Insurance Premiums After a Speeding Ticket
A speeding ticket in Colorado can lead to higher car insurance premiums, but there are ways to offset this increase.
These measures can help minimize the financial consequences of a speeding offense. This article discusses the best ways to reduce your insurance rates following a speeding ticket.
- Complete a Defensive Driving Course: A lot of insurance companies provide a discount for completing a defensive driving course. They provide a comprehensive overview of the best practices for staying safe on the road and can help you increase your driving record. You can help to lower your premiums by demonstrating that you are becoming a safer driver.
- Shop Around for Better Rates: Following a speeding ticket, it makes sense to shop around for insurance quotes from various providers. Different companies approach risk differently, so one insurer could jump your rates significantly and another offer you a more competitive rate. If you hear of a better price for your home or car insurance, pick up the phone.
- Maintain a Clean Driving Record: As time goes on without a ticket or wreck, your rates will normalize again. For someone with no prior violations, your speeding ticket could ultimately lower your insurance costs as the violation’s effects diminish over time.
- Consider Increasing Your Deductible: When you are sure about increasing the deductible, your monthly premium can decrease. That will require you to cover more costs upfront in the clash of a claim, but it can counteract a lot of the rise in premiums a speeding ticket might incur.
- Review Your Coverage: Reassess your current coverage to ensure you’re not paying for more than you need. If your speeding ticket didn’t result in a major accident or claim, you might be able to lower your coverage levels or switch to a policy that better suits your needs, helping to reduce premiums.
A speeding ticket may raise your premiums, but by completing defensive driving courses, shopping for better rates, and reviewing your coverage, you can lower your costs.
Get low-cost car insurance with driver discounts by maintaining a clean driving record, which will also help improve your rates over time.
Case Studies: How Speeding Tickets Impact Car Insurance in Colorado
Insurers tend to charge higher risk drivers considerably more after a speeding ticket, and so how you can be affected by them is significant to your car premiums.
This article features case studies on how Colorado drivers have coped with speeding tickets, highlighting a few consumer-specific tips for keeping premium increases to a minimum and remaining affordably insured.
- Case Study #1 – Single Speeding Ticket With Clean Record: Sarah, a 32-year-old driver from Denver with a clean 12-year record, saw her State Farm premium increase by 25% to $120/month after a first-time speeding ticket but managed to reduce it by 10% after taking a defensive driving course and maintaining a clean record.
- Case Study #2 – Multiple Speeding Tickets With Recent Violation: David, a 28-year-old driver from Colorado Springs with 3 speeding tickets in 18 months, saw his premium rise from $110 to $175/month, but after switching to Geico and completing a defensive driving course, he reduced his premium by 10% and saw gradual decreases as older violations aged.
- Case Study #3 – Speeding Ticket and High-Risk Driver in Rural Colorado: Maria, a 45-year-old driver from rural Colorado with several minor violations, saw her premium rise by 15% after a recent speeding ticket but reduced it by 10% through defensive driving and telematics programs, eventually stabilizing her rates after a year.
Speeding tickets can raise insurance rates, but options like defensive driving courses, telematics programs, or switching providers can help reduce the impact.
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A traffic ticket is issued for violating traffic laws, and maintaining a clean record can lower premiums over time.
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Find the Best Rates and Savings Options After a Speeding Ticket in Colorado
Compare car insurance after a speeding violation in Colorado from top providers like State Farm, Erie and Geico. They provide affordable pricing, beginning at $27/month, solid coverage, and quality customer service.
Learn how speeding tickets impact insurance premiums and explore strategies to lower rates, including discounts and defensive driving courses. The article also covers the duration of ticket effects on premiums, why auto insurance rates go up, and offers tips for drivers seeking affordable coverage after a violation.
After an at-fault accident, expect to pay higher rates for your car insurance — but you can get the cheapest coverage option with our free quote comparison tool below today.
Frequently Asked Questions
Does a first-time speeding ticket affect insurance in Colorado?
So the answer is that you might face insurance increases due to a first-time speeding ticket in Colorado, but it really depends on how serious the violation was and your insurer.
How much is a 6-point speeding ticket in Colorado?
A 6-point speeding ticket in Colorado typically results from exceeding the speed limit by 20 mph or more. The fine can vary but usually starts around $100, in addition to potential court fees. Need lower premiums? Find out more. Insert your ZIP code below and we will get you started to find the right provider for you by showing some of the best deals from providers in your area.
How do I get car insurance as a high-risk driver in Colorado?
High-risk drivers in Colorado can find specialized coverage through providers that cater to individuals with violations, such as State Farm or Geico, which offer options for higher-risk drivers. Best car insurance after an accident in Colorado is also available from these insurers, offering tailored plans to help drivers recover and maintain coverage following an accident.
How does a speeding ticket affect my car insurance in Colorado?
In Colorado, a speeding ticket can make you seem like high-risk drivers so insurance providers will raise your car insurance rates accordingly.
What are the best insurance companies for drivers with speeding tickets in Colorado?
Drivers with speeding tickets in Colorado can find competitive rates along with coverage for their high-risk driving record from State Farm, Erie, and Geico as the best insurance companies.
Where can I find high-risk auto insurance in Colorado?
High-risk auto insurance in Colorado can be found through providers like Geico, Progressive, and Farmers Insurance, which offer policies for drivers with violations, accidents, or under accident law.
What are the top insurance companies for drivers with a history of speeding tickets?
The top insurance companies for drivers with a history of speeding tickets are State Farm, Erie, and Geico.
How much do 2 points from a speeding ticket affect insurance in Colorado?
Two points from a speeding ticket can increase your insurance premiums in Colorado. The exact amount depends on your insurer and driving history, but premiums typically rise by 10-20%.
What is the cheapest insurance for drivers with speeding tickets in Colorado?
Geico and Progressive often offer the cheapest insurance rates for drivers with speeding tickets in Colorado, due to their flexible coverage options and discounts. Knowing car insurance requirements in Colorado is important, as the state requires minimum liability coverage for bodily injury and property damage.
How can drivers with tickets find affordable car insurance?
Drivers with tickets can find affordable car insurance by comparing quotes and exploring available discounts.
How much is a speeding ticket in Colorado?
The cost of a speeding ticket in Colorado varies depending on the offense but generally ranges from $50 to $150, with fines increasing for higher speeds over the limit.
Do red light camera tickets affect insurance in Colorado?
Yes, red light camera tickets in Colorado are considered traffic violations that put points on your driving record, which means they can affect your insurance rates. Understanding red light tickets and their consequences can help you take action to avoid increases in your insurance rates.
What is the best car insurance if I have multiple speeding tickets in Colorado?
Providers like Erie and Geico are recommended for drivers with multiple speeding tickets, as they tend to offer more lenient options for drivers with a history of violations.
How can I lower my car insurance after receiving a speeding ticket in Colorado?
If a speeding ticket has left you with high car insurance rates, there are still some ways to reduce them, take a defensive driving course and avoid points on your license; see if other providers have better rates for safe drivers; maintain clean driving record for 3 years.
Do I have to report a speeding ticket to my insurance in Colorado?
Any speeding ticket that incurs points on your driving history must be reported to your insurance company in Colorado, as it can affect your rates. How insurance companies calculate your car insurance rate use points based on driving record, age, location and vehicle type.
How can drivers with speeding tickets find the best insurance rates?
Drivers with speeding tickets can find the best insurance rates by shopping around and considering providers that specialize in high-risk drivers.
What is Colorado’s driving points system, and how does it affect insurance?
Traffic violations in Colorado function based on a point system. Accumulated points on your license matter—and if you get a speeding ticket, they can increase your insurance rates and lead to losing your license due to point accumulation.
Can I still get affordable insurance after a speeding ticket in Colorado?
Yes, Geico and Progressive both offer very competitive rates, even for risky drivers, which makes them some the cheapest insurance Colorado drivers can get post speeding ticket. Best car insurance for safe drivers in Colorado can also be found with these providers, offering affordable options for those with clean driving records.
What factors affect the cost of a speeding ticket in Colorado?
The cost of a speeding ticket in Colorado is affected by the severity of the violation and the number of points added to your record.
How much will a speeding ticket raise my insurance in Colorado?
A Colorado speeding ticket can increase your car insurance rates by around 10-20% having depend upon how severe the ticket is, your history of driving, and ones own insurer. Enter your ZIP code below to start checking premiums from some of the top-rated insurers in your state.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.