The vehicle requiring coverage is one of the primary factors in finding the best cheap insurance after a speeding ticket. Vehicles with limited speed and performance, a great safety record, or a positive history of liability claims will cost substantially less to insure than high performance models.
The data below ranks auto insurance costs for a handful of the more affordable vehicles to insure in California.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $2,257 |
| Toyota Prius | $2,271 |
| Jeep Wrangler Sahara 4WD 2-Dr | $2,295 |
| Honda Accord LX-P 4-Dr Sedan | $2,377 |
| Honda CR-V LX 2WD | $2,385 |
| Ford Edge SE AWD | $2,380 |
| Jeep Grand Cherokee Laredo 4WD | $2,426 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $2,472 |
| Chevrolet Malibu LT | $2,480 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $2,472 |
| Ford Explorer XLT 4WD | $2,532 |
| Dodge Grand Caravan SE | $2,537 |
| Ford Escape Limited 4WD | $2,586 |
| Chevrolet Silverado LT Regular Cab | $2,597 |
| Ford F-150 Lariat King Ranch 2WD | $2,605 |
| Start Your Quote Go | |
Table data represents single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in vehicle location which can lower or raise premiums substantially.
Based upon the table data, we can conclude that models like the Hyundai Elantra, Toyota Prius, Jeep Wrangler, Honda Accord, and Honda CR-V are going to be some of the most economical vehicles to insure after a few driving violations.
Finding out which companies offer the cheapest auto insurance rates after a speeding ticket may require a little more work than just picking a company at random. Each auto insurance company has their own unique process to set premium rates, so let’s rank the auto insurance companies with the overall cheapest rates in San Francisco.
Cheapest Insurance Rates with Licence Points
Click Here to Start Your Quote
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,226 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,503 |
| 9 | GEICO | $1,529 |
| 10 | Allied | $1,541 |
| 11 | Progressive | $1,542 |
| 12 | Allstate | $1,543 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,654 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
| Find Cheaper Rates Go | ||
USAA normally has some of the cheapest car insurance rates in San Francisco at around $1,155 annually. Wawanesa, Century National, Nationwide, and CSAA are also some of the best San Francisco, CA auto insurance companies.
In the above example, if you are a customer of CSAA and switched to Wawanesa, you may see a yearly price reduction of roughly $77. Drivers with 21st Century could save as much as $181 a year, and Grange customers might lower prices by $290 a year.
It’s important to note that these rates are averaged for all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location after a speeding ticket. So the auto insurance company that fits you best may not even be in the list above. That point stresses why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
Tickets and at-fault accidents raise rates
The best way to maintain affordable auto insurance prices in San Francisco after a few driving violations is to be a cautious driver and avoid at-fault accidents and violations. The chart below demonstrates how traffic citations and at-fault claims increase insurance rates for each age group. The information is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of auto insurance in California per year with no accidents or violations is $1,418. Receive two speeding tickets and the average cost increases to $2,003, an increase of $585 each year. Now include two accidents along with the two speeding tickets and the yearly cost of auto insurance after a speeding ticket jumps again to an average of $4,452. That’s an increase of $3,034, or $253 per month, just for being a less-than-perfect driver!
California auto insurance companies
Picking the top company can be challenging considering how many choices there are in San Francisco. The company information shown below can help you analyze which providers you want to consider when comparing auto insurance rates after a speeding ticket. These ratings only include the largest companies in the United States, so smaller companies that only insure vehicles in California will not be included in the list.
Top 10 Large Auto Insurers in San Francisco Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Large Auto Insurers in San Francisco Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Tips for buying cheaper auto insurance after a speeding ticket
Here are some of the better money-saving solutions that can help you quote lower-cost auto insurance.
- Save money by staying claim-free
- Drive attentively and avoid accidents
- Bundle home and auto and earn a discount
- Safer vehicles cost less to insure
- Violations and traffic tickets increase rates
- Drop full coverage on older vehicles
- Shop around for cheaper prices often
That last idea is certainly crucial, as was noted in this article. Coverage prices in San Francisco go up and down frequently, so don’t hesitate to change insurance companies if a lower-cost policy is available.
Many drivers have brand loyalty and that’s fine, but it’s not a great idea if it’s costing you lots of hard earned cash every month. Spend a few minutes and compare rates and find cheaper auto insurance after a speeding ticket.
If you wish to have the advice of a professional agent when shopping for the best coverage after a few driving violations, the professional agents shown below are willing to help you determine which insurance coverage will be best for you. To find an agent by location nearest to you, click the button below the list or click here to get price quotes now.
- Walter Li – State Farm Insurance Agent
1329 Chestnut St – San Francisco, CA 94123 – (415) 346-1000 - Toan Tieu – State Farm Insurance Agent
690 Monterey Blvd – San Francisco, CA 94127 – (415) 610-8000 - Carrie Insurance
2126 Sutter St – San Francisco, CA 94115 – (415) 567-7660