The words “cheap” and “insurance” really shouldn’t be used together, especially when trying to find the best insurance rates with multiple speeding tickets. Let’s teach you some of the things that influence car insurance rates, and see if you can reduce the price of your next policy.
Finding good, low-cost auto insurance is challenging, and finding out which company quotes the most affordable auto insurance rates with multiple speeding tickets calls for even more rate comparisons.
Every insurance provider uses a little different formula to determine rates, so to begin we’ll rank the auto insurance companies that tend to be cheaper in Los Angeles. It’s a good idea to be aware that California auto insurance rates are impacted by many things that can increase the price of coverage. Simply improving your credit, buying higher coverage limits, or getting a reckless driving citation can trigger price changes that can make some companies more affordable than the competition.
Find the Cheapest Car Insurance with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Allied | $1,541 |
| 9 | Allstate | $1,543 |
| 10 | Mercury | $1,548 |
| 11 | Progressive | $1,558 |
| 12 | GEICO | $1,559 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,733 |
| 17 | State Farm | $1,733 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,946 |
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Wawanesa offers some of the lowest car insurance rates in Los Angeles at around $1,146 a year. USAA, Nationwide, Century National, and CSAA also make the cut as some of the more affordable Los Angeles, CA car insurance companies.
In the rate table above, if you currently have coverage with USAA and switched to Wawanesa, you might realize a yearly price reduction of around $9. Drivers with Nationwide might save as much as $67 a year, and Century National insureds might see rate reductions of $80 a year.
Understand that those estimates are averages for all drivers and vehicles in California and do not take into consideration an exact zip code location with multiple speeding tickets. So the company that fits your age and vehicle best may not even be in the top 24 companies in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
After a few driving violations, one of the big factors that are used to help calculate the amount you pay each year for auto insurance is where you normally keep your vehicle in Los Angeles. More densely populated places tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper car insurance.
The table below shows the highest-priced places in California with multiple speeding tickets to buy an auto insurance policy in. Los Angeles is listed at #2 with the annual price of $2,104 for the average policyholder, which is around $175 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,603 |
| 9 | Santa Clarita | $1,595 |
| 10 | Moreno Valley | $1,551 |
| 11 | Modesto | $1,547 |
| 12 | Riverside | $1,542 |
| 13 | Garden Grove | $1,524 |
| 14 | Fontana | $1,519 |
| 15 | Fresno | $1,502 |
| 16 | Santa Ana | $1,497 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Huntington Beach | $1,402 |
| 20 | Bakersfield | $1,381 |
| Find the Best Rates Go | ||
Prices are comparative as the garaging address in Los Angeles can influence insurance rates substantially.
The make and model of vehicle requiring insurance is a large factor in finding economical insurance with multiple speeding tickets. Vehicles with lower performance, good safety features, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models.
The table below estimates coverage prices for a handful of the most affordable automobiles to insure in California.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $3,097 |
| Toyota Prius | $3,437 |
| Honda CR-V LX 2WD | $3,594 |
| Volkswagen Jetta SE 2.5 Station Wagon | $3,638 |
| Chevrolet Equinox LS 2WD | $3,665 |
| Ford Escape Limited 4WD | $3,715 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $3,735 |
| Honda Odyssey LX | $3,751 |
| Toyota Camry XLE | $3,865 |
| Toyota Corolla XLE | $3,874 |
| Kia Optima LX | $3,928 |
| Ford Focus SE 4-Dr Sedan | $3,972 |
| Dodge Grand Caravan CV | $4,022 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $4,035 |
| Jeep Grand Cherokee Laredo 4WD | $4,045 |
| Chevrolet Malibu LS | $4,052 |
| Ford Explorer Eddie Bauer AWD | $4,122 |
| Ford Fusion SEL AWD 4-Dr Sedan | $4,206 |
| Chevrolet Silverado LS Regular Cab 2WD | $4,236 |
| Toyota RAV4 Limited 4WD | $4,256 |
| Find Cheaper Rates Go | |
Price data assumes single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Information does not factor in vehicle garaging location which can raise or lower premiums considerably.
Based upon the rates shown, cars like the Hyundai Elantra, Toyota Prius, and Honda CR-V are going to be a few of the less-costly vehicles to insure after a few driving violations.
What is the best auto insurance company in Los Angeles?
Selecting the top insurance company is hard considering how many different insurance companies sell coverage in Los Angeles. The company ratings below can help you select which providers to look at when shopping car insurance rates with multiple speeding tickets.
The rankings below include companies that insure vehicles across America, so smaller companies that only insure vehicles in California are not included in these rankings. To get rate quotes from these top insurers and more, click this link.
| 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 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Liability rates compared to full coverage
Paying less for auto insurance should be important to the majority of people, and one of the quickest ways to pay less for insurance with multiple speeding tickets is to only buy liability coverage. The diagram below shows the difference between car insurance rates with and without full coverage. The data assumes no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are factored in.
If we average the cost for ages 20 through 70, full coverage costs an extra $2,501 per year over having just liability coverage. Lot’s of drivers question if buying full coverage is a waste of money. There is no exact rule for dropping physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s claim settlement value is $11,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $10,000 after you pay the deductible. If you are paying in excess of $1,000 a year for your policy with full coverage, then you may need to consider dropping full coverage.
The illustration below shows how different deductible levels can affect insurance costs when searching for cheap insurance with multiple speeding tickets. The price estimates are based on a single female driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 30-year-old driver could pocket $544 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $816 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, can save as much as $1,216 annually just by using higher deductibles.
If you make the decision to raise deductibles, it will now be necessary to have plenty of money set aside to offset the extra out-of-pocket expense that comes with higher deductibles.
How to find cheaper insurance with multiple speeding tickets
The list below details a few penny-pinching ideas that can help California drivers quote more affordable coverage.
- Increase your physical damage deductibles
- Buy safe vehicles
- Avoid getting citations and tickets
- Do not get into accidents that are your fault
- Improve your credit
- Keep rates low by shopping around frequently
That last tip is very critical, as was pointed out in this write-up. Auto insurance rates fluctuate considerably, so don’t hesitate to buy a policy from a new company if you can save money. Many drivers prefer to stick with one company, but we do not recommend it if it’s costing you hundreds of dollars year after year. Spend a few minutes and compare rates and find cheaper auto insurance with multiple speeding tickets in Los Angeles.
The agents below can provide answers to your questions and help you determine which coverage meets your needs best, since some drivers aren’t sure which coverage they need and prefer to have a little guidance when shopping around for cheaper insurance after a few driving violations. It’s not always simple to find the cheapest rate yourself, so agents can bring comfort knowing your coverage gives you adequate asset protection.
To find a Los Angeles insurance agency near you, click the button after the list.
Rodney Brown – State Farm Insurance Agent
7154 Melrose Ave – Los Angeles, CA 90046 – (323) 931-1466
Lisa Brown – State Farm Insurance Agent
1247 S La Brea Ave – Los Angeles, CA 90019 – (323) 954-9763
Terza West-Dantzler – State Farm Insurance Agent
875 N Gower St – Los Angeles, CA 90038 – (323) 462-1096
Ted Hope – State Farm Insurance Agent
2049 W Manchester Ave – Los Angeles, CA 90047 – (323) 752-4885