Who Has Cheap Auto Insurance After a Speeding Ticket in Sacramento?

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.

Cheapest Vehicles to Insure in Sacramento, CA
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.

How much is auto insurance in Sacramento, CA?
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

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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.

Sacramento, CA Auto Insurance Company 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.

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.

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