The make and model of vehicle requiring insurance is one of the primary factors that determines the availability of the most affordable car insurance after a speeding ticket. Vehicles with higher performance characteristics, poor safety ratings, or high incidents of liability claims will cost more to insure than more economical and safe models.
The information below showcases auto insurance premiums for a number of the more affordable automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $2,186 |
| Ford Escape Limited 2WD | $2,202 |
| Honda CR-V EX 4WD | $2,209 |
| Toyota RAV4 Limited 4WD | $2,335 |
| Ford F-150 XLT Super Cab 4WD | $2,470 |
| Ford Fusion S 4-Dr Sedan | $2,489 |
| Jeep Grand Cherokee Laredo 2WD | $2,496 |
| Ford Focus SE 4-Dr Sedan | $2,489 |
| Chevrolet Impala LS | $2,495 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $2,507 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $2,520 |
| Volkswagen Jetta S 4-Dr Sedan | $2,542 |
| Dodge Grand Caravan Hero | $2,552 |
| Ford Explorer Limited 4WD | $2,597 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $2,602 |
| Hyundai Elantra SE 4-Dr Sedan | $2,629 |
| Nissan Rogue SL 2WD | $2,661 |
| Ford Edge Limited AWD | $2,669 |
| Hyundai Sonata Limited 4-Dr Sedan | $2,671 |
| Chevrolet Malibu LTZ | $2,679 |
| Chevrolet Silverado Crew Cab Hybrid 4WD | $2,682 |
| Honda Odyssey Touring | $2,724 |
| Toyota Corolla XRS | $2,733 |
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Price data assumes single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle location which can lower or raise coverage prices substantially.
Based upon these rates, you can figure that makes and models like the Toyota Prius, Ford Escape, and Honda CR-V will definitely be the more affordable vehicles to insure after a few driving violations.
One of the more important considerations that determine the cost of insurance is the neighborhood you call home in Sacramento. Cities with larger populations or higher claim trends tend to have more expensive car insurance rates, whereas areas with less congestion have the luxury of lower rates.
The illustration below sorts the most expensive areas in California after a speeding ticket to buy car insurance in. Sacramento is ranked at #5 with an annual rate of $1,652 for the average policyholder, which is around $138 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,652 |
| 6 | Long Beach | $1,610 |
| 7 | San Bernardino | $1,596 |
| 8 | Stockton | $1,588 |
| 9 | Garden Grove | $1,570 |
| 10 | Fontana | $1,566 |
| 11 | Moreno Valley | $1,551 |
| 12 | Santa Clarita | $1,533 |
| 13 | Riverside | $1,527 |
| 14 | Modesto | $1,502 |
| 15 | Fresno | $1,502 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,437 |
| 19 | Huntington Beach | $1,416 |
| 20 | Fremont | $1,403 |
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Information shown are approximated as the specific garaging location can raise or lower coverage rates noticeably.
Establishing which company quotes the cheapest auto insurance rates after a speeding ticket requires a bit more effort than just comparing a company or two. Each auto insurance company has their own formula for establishing rates, so let’s look at the rankings for the auto insurance companies with the overall best prices in Sacramento.
We do need to point out that California auto insurance rates are impacted by many things that control the price you have to pay for coverage. Simply having another birthday, buying higher coverage limits, or getting a ticket for careless driving may cause policy rate changes that can now make some companies cheaper than competitors.
Best Car Insurance Prices with Licence Points
USAA generally has some of the cheapest car insurance rates in Sacramento at around $1,121 per year. Wawanesa, CSAA, Century National, and Nationwide also are some of the lowest-priced Sacramento, CA insurance companies.
As depicted above, if you currently buy coverage from Century National and switched to Wawanesa, you could see annual savings of approximately $44. Customers with Nationwide might save as much as $104 a year, and 21st Century customers might reduce rates by $179 a year.
To find out how your current rates compare, click here to begin a quote or feel free to get quotes from the companies below.
Remember that these premium estimates are averages across all insureds and vehicles and and are not figured with an exact vehicle garaging location after a speeding ticket. So the auto insurance company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That affirms the importance of why you need to get rate quotes using your own specific driver and vehicle information.
Do you need full coverage?
Paying less for auto insurance is the goal of most drivers, and one great way to pay lower rates for insurance after a speeding ticket is to only pay for liability coverage. The chart below visualizes the comparison of insurance rates with full physical damage coverage and with liability coverage only. The information is based on no accidents, no driving violations, $250 deductibles, single marital status, and no other discounts are factored in.
On average, physical damage coverage on your policy costs an extra $3,093 per year more than just buying liability insurance. That touches on the question when is it safe to stop buying full coverage. There is no written rule to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s assume your vehicle’s replacement value is $4,500 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,500 after paying your policy deductible. If you are paying more than $350 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some situations where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.
Auto insurance company ratings
Choosing a high-quality car insurance provider is difficult considering how many companies there are to choose from in Sacramento. The information in the next section may help you choose which insurers you want to consider comparing rates from. The ratings below are for companies with a national presence, so companies that have a smaller presence are not taken into consideration for these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
How to find budget-friendly auto insurance after a speeding ticket
The list below details some of the recommended money-saving solutions that can help Sacramento drivers buy cheap coverage.
- Remain accident-free and save
- Increase your policy deductibles
- Avoid filing small claims
- Good credit can save money
- Buying home and auto insurance together can earn discounts
- Save money by observing traffic laws and speed limits
- Compare quotes from other companies often
That final tip is notably important, as we discussed in this write-up. Auto insurance rates can be changed at any time, so don’t be unwilling to buy from a new company if a lower-cost policy is available. Having a favorite company is fine, but is isn’t recommended if it’s costing you money that could be spent on other things. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance after a speeding ticket in Sacramento.
The professional agents shown below can most likely answer your questions and help you decide which policy is best, since lots of drivers aren’t clear which coverage they need and would like to have a little guidance when comparing insurance rates after a few driving violations. It’s not always easy to find the cheapest car insurance policy, so insurance agents licensed in the state of California can give you satisfaction knowing your coverage gives you sufficient coverage at claim time.
To locate a Sacramento car insurance agency close to where you live, click the button below the list or click here to compare prices now.
- Monique Ambers – State Farm Insurance Agent
4331 Truxel Rd Ste G3 – Sacramento, CA 95834 – (916) 928-4747 - Bob Spears – State Farm Insurance Agent
3110 Fulton Ave – Sacramento, CA 95821 – (916) 482-9227 - McGee and Thielen Insurance Brokers
3840 Rosin Ct #245 – Sacramento, CA 95834 – (800) 901-9636