The words “economical” and “insurance” really should not be used together, specifically when you are shopping around for the cheapest coverage after a speeding ticket. Because it’s so expensive, let’s start the ball rolling by going over some of the things the can have a considerable influence on car insurance rates, and find some ways to reduce the cost of the next policy you buy.
After a few driving violations, one of the largest components that are looked at to determine insurance cost is where you normally keep your vehicle. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower coverage costs.
The following table sorts the priciest cities in California after a speeding ticket to buy auto insurance in. San Diego is listed at #21 with an annual cost of $1,381 on average, which is approximately $115 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,083 |
| 3 | Sacramento | $1,720 |
| 4 | San Francisco | $1,693 |
| 5 | Oakland | $1,687 |
| 6 | Long Beach | $1,626 |
| 7 | Stockton | $1,603 |
| 8 | San Bernardino | $1,580 |
| 9 | Modesto | $1,547 |
| 10 | Riverside | $1,542 |
| 11 | Moreno Valley | $1,536 |
| 12 | Fontana | $1,535 |
| 13 | Santa Clarita | $1,533 |
| 14 | Garden Grove | $1,524 |
| 15 | Fresno | $1,517 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,474 |
| 18 | Huntington Beach | $1,402 |
| 19 | Bakersfield | $1,394 |
| 20 | San Jose | $1,381 |
| 21 | San Diego | $1,381 |
| 22 | Fremont | $1,348 |
| 23 | Oxnard | $1,344 |
| 24 | Irvine | $1,343 |
| 25 | Chula Vista | $1,337 |
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Price information shown is estimated as vehicle location can raise or lower rates substantially.
Trying to buy cost effective auto insurance is challenging, and determining which company has the most affordable auto insurance rates after a speeding ticket will involve a little more work. Every insurance company uses a little different formula to determine rates, so first we will examine the lowest cost auto insurance companies in San Diego.
It’s important that you understand San Diego auto insurance rates are influenced by many factors which can substantially change the policy premium. Improving your credit score, buying a newer car, or getting a ticket for careless driving can trigger price changes resulting in some companies being cheaper than competitors.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,192 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,533 |
| 9 | Allstate | $1,543 |
| 10 | Progressive | $1,558 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,733 |
| 17 | State Farm | $1,733 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
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USAA may have some of the most affordable car insurance rates in San Diego at around $1,143 a year. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the more affordable San Diego, CA car insurance companies.
As the rates illustrate above, if you are insured with Nationwide and switched to Wawanesa, you might realize yearly savings of in the vicinity of $58. Policyholders with 21st Century could save as much as $187 a year, and Grange insureds might cut rates by $241 a year.
It’s important to note that these premiums are averages across all types of insureds and vehicles and and are not figured with an exact location after a speeding ticket. So the insurer that fits you best may not even be in the top 24 companies shown above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.
Liability only or full coverage
Finding cheaper auto insurance is the goal of the majority of people, and one of the easiest ways to find cheap insurance after a speeding ticket is to buy liability only. The chart below shows the difference between car insurance rates with liability coverage only compared to full coverage. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no other discounts are factored in.
As an average for all age groups, physical damage coverage on your policy costs an extra $2,501 per year more than buying just liability insurance. Many drivers may wonder if paying for full coverage is a waste of money. There is no clear-cut formula of when to phase out full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your vehicle’s book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying your deductible. If you are paying over $500 annually for your policy with full coverage, then you might consider buying liability only.
There are some cases where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Get discounts on San Diego auto insurance rates
Car insurance companies that offer quotes after a speeding ticket may have discounts that could lower prices by 25% or more if you can meet the requirements. Larger auto insurance companies and some of the discounts are detailed below.
- Farm Bureau discounts include good student, driver training, 55 and retired, renewal discount, multi-policy, multi-vehicle, and safe driver.
- Liberty Mutual offers discounts including teen driver discount, safety features, multi-car, new vehicle discount, newly married, exclusive group savings, and hybrid vehicle.
- State Farm includes discounts for defensive driving training, Steer Clear safe driver discount, multiple autos, good student, and driver’s education.
- Auto-Owners Insurance has discounts for mature driver, anti-theft, multi-policy, company car, and paid in full.
- GEICO has savings for daytime running lights, emergency military deployment, five-year accident-free, good student, air bags, driver training, and seat belt use.
- SAFECO offers premium reductions for drive less, anti-lock brakes, anti-theft, multi-car, teen safe driver, teen safety rewards, and bundle discounts.
The example below shows the difference between auto insurance costs with and without discounts being applied to the rates. The data is based on a male driver, no at-fault accidents and one violation, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple policy, multiple vehicle, paperless filing, marriage, homeowner, and passive restraint discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance after a speeding ticket is 28% or $975.
Responsible drivers pay cheaper auto insurance rates
The ideal way to receive cheap auto insurance prices in California after a few driving violations is to be a careful driver and avoid getting tickets or having accidents. The information below shows how violations and at-fault accidents can impact insurance prices for each different age group. The data assumes a single female driver, full coverage, $100 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of auto insurance per year with no accidents or violations is $2,394. Receive one speeding ticket and the average cost increases to $2,714, an increase of $320 each year. Now add two accidents along with the one speeding ticket and the annual cost of auto insurance after a speeding ticket goes up to an average of $5,393. That’s an increase of $2,999, or $250 per month, just for not keeping your driving record clean!
You are probably paying too much for car insurance
San Diego auto insurance rates are influenced by many factors that will increase or decrease the price of coverage. Improving your credit score, buying a different vehicle, or having an at-fault accident may cause policy rate changes that may make certain companies more affordable than others.
Not only may your situation change, but insurers file new California car insurance rates every year to adjust for heavy claims or excess profits. An extended period of higher than normal claims can cause more expensive prices, while lower claim expenses can produce lower-cost San Diego car insurance rates.
For example, the bar chart below shows which companies have the cheapest car insurance in San Diego, CA for a 45-year-old male driver with a clear driving record, no claims, and a high credit rating. When comparing rates based on his current situation, USAA offers the lowest car insurance rates in San Diego at $1,151 a year. This is $500 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the best San Diego, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first set of rates an at-fault accident, a lower credit rating, and a few blemishes on his driving record. Because each company has a proprietary formula to set their prices, comparing rates may result in a different list of affordable companies as shown below.
Grange now has the best insurance rate in San Diego, CA with Mercury, Progressive, Allstate, and GEICO also having competitive pricing. This demonstrates why it is critical to shop around when trying to get cheap car insurance quotes after a speeding ticket. Car insurance prices can be altered by many risk factors and change frequently, so the best option the last time you checked may now be priced much higher than other options.
The auto insurance agents in San Diego shown below can help you determine which policy is best, since lots of people like to have the advice of a professional agent when trying to find the best insurance rates after a speeding ticket. It can be difficult to find the best policy yourself, so professional agents can give you comfort knowing your policy gives you enough coverage if you have a claim.
To locate an agency nearest to you, click the button at the bottom of the list or click here to compare prices now.
- Mike Moore – State Farm Insurance Agent
12880 Rancho Penasquitos Blvd d – San Diego, CA 92129 – (858) 484-1297 - AG Insurance Agency
11440 W Bernardo Ct #161 – San Diego, CA 92127 – (858) 431-9880 - Bob Francy III – State Farm Insurance Agent
11885 Carmel Mountain Rd #905 – San Diego, CA 92128 – (858) 451-1915 - Albert Quiroga – State Farm Insurance Agent
8240 Mira Mesa Blvd G – San Diego, CA 92126 – (858) 695-8000