FWIW, I don't buy insurance because the law requires it. I buy insurance to cover my a$$ & limit my cash outlay in case things go badly. When the stuff hits the fan, I want the insurance company backing me up - NOT assisting in the fraud charges against me.
So, it is with that background that I say that anyone who is lying/ deceiving the insurance company just to get coverage, is wasting their $$.
If the speeding ticket is the issue, ask if there are training courses they recognise to allow you coverage.
I remember my insurance rates when I was 24, & I feel for you. In my case, it was justified