After a few driving violations, one of the more important criteria that are looked at to determine auto insurance rates is your address in San Diego. Cities with more crime and/or more people tend to pay slightly more, whereas areas with less congestion have the enjoyment of a little cheaper coverage.
The information below ranks the priciest cities in California with multiple speeding tickets to buy an auto insurance policy in. San Diego shows up at #23 with an annual cost of $1,340 for coverage, which is around $112 monthly.
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Premium amounts are estimated as the specific area where the vehicle is garaged can revise rates greatly.
Deciding which companies have the cheapest auto insurance rates with multiple speeding tickets will take more work than just getting one or two price quotes. Every insurance company uses a different method for filing rates in each state, so let’s take a look at the most competitive auto insurance companies in California.
Cheap Insurance Rates with License Points
|Rank||Company||Cost Per Year|
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USAA offers some of the lowest car insurance rates in San Diego at around $1,121 annually. Wawanesa, Nationwide, Century National, and CSAA also rank well as some of the lowest-priced San Diego, CA car insurance companies.
As depicted above, if you currently buy coverage from Wawanesa and switched to USAA, you could see savings of about $36. Policyholders with Nationwide could save as much as $92 a year, and Century National policyholders might reduce rates by $105 a year.
If you would like to find cheaper car insurance rates, click here to start your custom quote or visit any of the companies below.
These estimates are averages for all drivers and vehicles in California and do not factor in an exact zip code location with multiple speeding tickets. So the insurer that has the lowest price for you may not even be in the top 24 companies in the list above. That affirms the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
The vehicle model you are trying to insure is one of the primary factors when comparing quotes for the lowest-priced car insurance with multiple speeding tickets. Vehicles with limited top-end speed, advanced safety features, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models. The data below showcases car insurance rates for a selection of the most budget-friendly automobiles to buy coverage for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Odyssey LX||$1,297|
|Honda Civic DX 4-Dr Sedan||$1,373|
|Honda CR-V EX 2WD||$1,378|
|Chevrolet Silverado LT Extended Cab 4WD||$1,400|
|Ford Escape XLT 4WD||$1,406|
|Jeep Wrangler Sport 4WD 2-Dr||$1,416|
|Dodge Grand Caravan SE||$1,460|
|Toyota Corolla LE||$1,476|
|Toyota Camry SE||$1,481|
|Ford F-150 STX Super Cab 2WD||$1,505|
|Chevrolet Impala LS||$1,516|
|Toyota RAV4 4WD||$1,544|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,573|
|Honda Accord EX 2-Dr Coupe||$1,575|
|Ford Edge Sport AWD||$1,629|
|Hyundai Elantra GLS 4-Dr Sedan||$1,635|
|Ford Fusion Sport 4-Dr Sedan||$1,658|
|Jeep Grand Cherokee Limited 4WD||$1,665|
|Ford Explorer Limited 2WD||$1,658|
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Premium 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 homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in San Diego, CA location which can modify price quotes considerably.
By looking at the data, makes and models like the Honda Odyssey, Honda Civic, Honda CR-V, and Chevrolet Silverado are most likely to be a few of the less-costly vehicles to insure after a few driving violations.
How violations and accidents impact rates
In a perfect world, the best way to obtain the cheapest auto insurance premiums in San Diego after a few driving violations is to be an attentive driver and not receive tickets or have accidents. The diagram below shows how traffic citations and at-fault claims can raise insurance rates for each different age category. The data is based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied.
The data charted above shows the average cost of an auto insurance policy per year with no accidents or violations is $1,948. Add in one speeding ticket and the average cost jumps to $2,267, an increase of $319 each year. Then add two accidents along with the one speeding ticket and the annual cost of auto insurance with multiple speeding tickets increases to an average of $4,947. That’s an increase of $2,999, or $250 per month, just for not being more responsible behind the wheel!
The diagram below shows how choosing a deductible can change insurance rates when searching for cheap insurance with multiple speeding tickets. The rates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
The chart above illustrates that a 30-year-old driver could lower their car insurance rates by $400 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $604 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, have the ability to save up to $888 each year by using higher deductibles when buying full coverage.
When choosing a higher deductible, it is important to have emergency funds available to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Don’t stick with an overpriced policy
San Diego, CA auto insurance rates are determined by lots of factors that can increase the policy price. Simply turning a year older, getting married, or getting a speeding ticket can trigger price changes that can now make some companies cheaper than competitors.
Not only may your situation change, but companies modify rates at least once a year to ensure their profitability. Higher than usual claims may result in more expensive premiums, while a better claims history can cause lower-priced San Diego car insurance rates.
For example, the data below shows the company with the cheapest car insurance in San Diego, CA for a 45-year-old female driver with no accidents or violations, and great credit. If we look at prices based on her current situation, USAA may have the cheapest car insurance rates in San Diego at $1,145 a year. This is $506 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the most affordable San Diego, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first example a claim or two, poor credit, and a traffic ticket or two. Since every car insurance company has a unique formula to set premium rates, comparing insurance quotes could now result in a new list of companies as shown below.
Grange now has the best price on car insurance in San Diego, CA with Mercury, Progressive, Allied, and Allstate completing the list. This illustrates why drivers need to compare rates to find affordable auto insurance rates with multiple speeding tickets.
Car insurance prices can be determined by many factors and can decrease or increase without notice, so the most economical option the last time you shopped around may now be one of the higher cost companies.
How to find budget-friendly auto insurance with multiple speeding tickets
Below you’ll find some money-saving suggestions that can help California drivers quote cheaper coverage.
- Bundle home or renters insurance to earn a discount on car insurance
- Pay lower rates with good credit
- Do not get into accidents that are your fault
- Do not pay for comprehensive and collision coverage on older vehicles
- Vehicles with safetly features generally cost less to insure
- Keep rates low by shopping around frequently
That last idea is remarkably necessary, as was stressed in this article. Car insurance rates can change significantly in a year, so don’t be tentative to switch to a new company if a more affordable price is available.
Having a favorite company is great, but it’s not a great idea if that stubbornness costs you a lot of money every month. In just a few minutes you could shop around and find cheaper auto insurance with multiple speeding tickets in San Diego.
If you have questions and prefer to get some help when shopping around for cheaper insurance with multiple speeding tickets, the agents shown below are a good start to provide answers to your questions and help you determine which coverages and limits you need. To find a San Diego insurance agency by location nearest to you, click the link after the list or click here to compare price quotes.
Allstate Insurance: Harries Insurance Agency
4669 Murphy Canyon Rd Ste 101 – San Diego, CA 92123 – (858) 569-1120
State Farm: Tom Latsko
8680 Navajo Rd #214 – San Diego, CA 92119 – (619) 462-5701
Farmers Insurance – Aaron Farmer
7960 Silverton Ave #202 – San Diego, CA 92126 – (858) 689-0466
Deryk Inn – State Farm Insurance Agent
3633 Camino del Rio S #100 – San Diego, CA 92108 – (619) 362-4820
Dave Murphy – State Farm Insurance Agent
12121 Scripps Summit Dr Ste 100 – San Diego, CA 92131 – (858) 621-6681