The make and model of vehicle you are trying to insure is a large factor when comparing the most economical auto insurance with multiple speeding tickets. Vehicles with higher performance, a lack of advanced safety features, or a track record of large liability claims will cost much more to insure than safer, lower-performance models. The next table ranks car insurance rates for the most budget-friendly automobiles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,929|
|Ford Escape XLT 2WD||$2,062|
|Honda CR-V EX-L 4WD||$2,110|
|Honda Odyssey LX||$2,118|
|Ford F-150 XLT Regular Cab 4WD||$2,160|
|Dodge Grand Caravan CV||$2,167|
|Ford Explorer Limited 2WD||$2,333|
|Chevrolet Impala LT||$2,440|
|Chevrolet Malibu LS||$2,446|
|Jeep Grand Cherokee Laredo 4WD||$2,440|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$2,443|
|Toyota Tacoma Double Cab 4WD||$2,488|
|Toyota RAV4 Limited 4WD||$2,495|
|Toyota Camry LE||$2,504|
|Hyundai Elantra Blue 4-Dr Sedan||$2,530|
|Chevrolet Silverado 3500HD LTZ Crew Cab 2WD||$2,545|
|Compare Cheap Rates Go|
Prices above based on single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Price estimates do not factor in vehicle location which can decrease or increase coverage rates considerably.
Based on these rates, models like the Honda Accord, Ford Escape, Honda CR-V, and Honda Odyssey should be the less-costly vehicles to insure after a few driving violations.
Shopping around for budget car insurance is not easy, and determining which insurers offer the cheapest car insurance rates with multiple speeding tickets will take even more diligence. Each auto insurer has a unique approach to determine premium rates, so first we will examine the car insurance companies that tend to have lower prices in California.
We do need to point out that Sacramento car insurance rates are determined by lots of factors which can substantially change your annual premium. That is why it is important to compare lots of rates to get cheap insurance quotes with multiple speeding tickets. Rates consist of many things and can increase or decrease at any time, so the best option six months ago may now cost much more than other companies.
Best Cheap Insurance Rates with License Points
USAA quotes some of the most affordable car insurance rates in Sacramento at around $1,143 per year. Wawanesa, Century National, CSAA, and Nationwide are also some of the best Sacramento, CA car insurance companies.
As shown in the rates above, if you currently buy coverage from Wawanesa and switched to USAA, you may see yearly savings of in the vicinity of $14. Policyholders with Century National could save as much as $35 a year, and CSAA insureds might lower prices by up to $55 a year.
To see if you’re overpaying, click here to start a quote or click through to the companies below.
Understand that those policy rates are averaged for all drivers and vehicles and do not take into consideration an exact location with multiple speeding tickets. So the auto insurance company that fits your age and vehicle best may not even be in the top 24 companies in the list above. That’s why you need to get rate quotes using your own personal information and vehicle type.
After a few driving violations, one of the largest considerations that help determine the amount you pay for auto insurance is where your residence is. Areas with a lot of weather claims or more people tend to pay slightly more, whereas areas with less people or fewer weather incidents profit from lower rates.
The next table rates the highest-priced areas in California with multiple speeding tickets to buy car insurance in. Sacramento comes in at #4 costing $1,720 for coverage, which is approximately $143 per month.
|Rank||City||Average Per Year|
|Quote Best Rates Go|
Prices are approximated as the specific garaging location can affect coverage prices greatly.
Liability-only versus full coverage
Saving on car insurance should be important to most people, and one of the fastest ways to buy cheaper insurance with multiple speeding tickets is to only buy liability insurance. The illustration below illustrates the comparison of insurance costs when comparing full coverage to liability only. The premiums assume no accidents or driving violations, $250 deductibles, drivers are single, and no policy discounts are applied.
As an average for all age groups, physical damage coverage on your policy costs $2,558 per year more than just buying liability insurance. Many drivers may wonder if buying full coverage is a waste of money. There is no definitive rule for phasing out full coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
How to get discounts on Sacramento auto insurance rates
Insurance companies that offer quotes with multiple speeding tickets may also give you rate discounts that could lower prices by as much as 35% or more if you can meet the requirements. Popular car insurance companies and a selection of discounts are shown below.
- American Family offers discounts including good student, Steer into Savings, TimeAway discount, good driver, multi-vehicle, and early bird.
- Farm Bureau has savings for good student, safe driver, youthful driver, multi-vehicle, driver training, and renewal discount.
- State Farm includes discounts for good driver, accident-free, Drive Safe & Save, multiple autos, driver’s education, Steer Clear safe driver discount, and safe vehicle.
- Travelers may include discounts for payment discounts, driver training, good student, multi-policy, and home ownership.
- The Hartford may offer discounts for defensive driver, vehicle fuel type, anti-theft, air bag, good student, driver training, and bundle.
- GEICO has discounts for anti-lock brakes, daytime running lights, seat belt use, driver training, air bags, defensive driver, and five-year accident-free.
- Progressive offers discounts for homeowner, multi-policy, good student, multi-vehicle, continuous coverage, and online quote discount.
The diagram below shows the difference between insurance rates with and without discounts applied to the policy premium. The price estimates are based on a female driver, one violation and no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, vehicle safety, paperless filing, multiple vehicle, anti-theft, and continuous coverage discounts applied. In this example, the average savings per year on car insurance with multiple speeding tickets is 28% or $753.
Impact of violations and accidents on rates
One of the best ways to find affordable car insurance premiums in California after a few driving violations is to be a careful driver and avoid accidents and traffic citations. The chart below illustrates how violations and at-fault accidents impact insurance costs for different insured age categories. The premiums assume a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
In the example above, the average cost of auto insurance in California per year with no accidents or violations is $2,186. Get written up for one speeding ticket and the average cost hikes up to $2,509, an increase of $323 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of car insurance with multiple speeding tickets jumps again to an average of $5,208. That’s an increase of $3,023, or $252 per month, just for not paying attention while driving!