The make and model of vehicle you are seeking coverage for is a large factor that determines the availability of economical auto insurance after a speeding ticket. Vehicles with lower acceleration and performance, good crash test ratings, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models.
The data below shows coverage prices for some of the more affordable vehicles to insure in California.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,343 |
| Ford Escape XLS 2WD | $1,373 |
| Ford Explorer XLT AWD | $1,406 |
| Ford Edge SE 2WD | $1,472 |
| Toyota Camry LE | $1,489 |
| Honda Accord EX-L 4-Dr Sedan | $1,491 |
| Toyota Prius | $1,493 |
| Ford F-150 XLT Regular Cab 4WD | $1,544 |
| Hyundai Elantra SE 4-Dr Sedan | $1,574 |
| Toyota Tacoma 2WD | $1,591 |
| Chevrolet Impala LS | $1,596 |
| Nissan Rogue SL 2WD | $1,593 |
| Toyota Corolla XRS | $1,601 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,611 |
| Chevrolet Malibu LTZ | $1,601 |
| Dodge Grand Caravan Crew | $1,622 |
| Toyota RAV4 Sport 2WD | $1,627 |
| Compare Rates Now Go | |
Data variables include single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, and homeowner. Premium amounts do not factor in vehicle garaging location which can change rates substantially.
Based on these rates, you can conclude that cars like the Honda CR-V, Ford Escape, Ford Explorer, Ford Edge, and Toyota Camry are most likely to be the more affordable vehicles to insure after a few driving violations.
Establishing which insurers offer the most affordable insurance rates after a speeding ticket may require more work in order to find the best policy.
Each insurance company has a proprietary method to set policy rates, so we will examine the insurance companies that tend to have lower prices in San Jose, CA. Keep in mind that California insurance rates are calculated based on many things that control your annual premium. Improving your credit score, moving to a different location, or getting a few speeding tickets can cause premium changes that can make some companies more affordable than before.
Compare Cheap Insurance Quotes with Licence Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,192 |
| 4 | Nationwide | $1,213 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,512 |
| 10 | Allstate | $1,513 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,946 |
| Quote Your Rates Go | ||
USAA has some of the most affordable car insurance rates in San Jose at around $1,109 annually. This is $542 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA also make the cut as some of the most economical San Jose, CA auto insurance companies.
In the rate table above, if you currently have a policy with Nationwide and switched to Century National, you could earn savings of in the neighborhood of $35. Drivers with CSAA could save as much as $44 a year, and 21st Century customers might reduce rates by $160 a year.
It’s important to note that these policy prices are averages across all types of insureds and vehicles and do not factor in a specific vehicle garaging location after a speeding ticket. So the insurer that is most affordable for your situation may not even be in the list above. That emphasizes why you need to get car insurance quotes using your own individual information.
Discounts on San Jose auto insurance
Auto insurance companies that provide policies after a speeding ticket may also give you premium discounts that could potentially reduce rates by as much as 25% or more if you qualify. Larger insurance companies and a summarized list of policyholder discounts are:
- American Family has discounts for early bird, multi-vehicle, good driver, TimeAway discount, accident-free, bundled insurance, and defensive driver.
- Nationwide has savings for family plan, anti-theft, defensive driving, multi-policy, and business or organization.
- MetLife may have discounts that include defensive driver, good driver, multi-policy, good student, accident-free, claim-free
- 21st Century offers discounts including 55 and older, defensive driver, homeowners, automatic seat belts, driver training, student driver, and teen driver.
- Farmers Insurance offers discounts for business and professional, alternative fuel, homeowner, early shopping, and bundle discounts.
- Allstate may include discounts for teenSMART discount, 55 and retired, good payer, passive restraint, auto/life discount, and defensive driver.
The illustration below illustrates the difference between auto insurance costs with and without discounts applied to the rates. The data assumes a female driver, two citations and no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with marriage, anti-theft, paperless filing, paid-in-full, homeowner, and passive restraint discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance after a speeding ticket is 28% or $1,205.
Poor driving habits will raise your insurance rates
The easiest way to get the cheapest insurance prices in San Jose after a few driving violations is to drive cautiously and avoid traffic citations and accidents. The diagram below shows how traffic citations and fender-benders can increase insurance prices for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of car insurance per year with a clean driving record and no accidents is $2,935. Get two speeding tickets and the average cost jumps to $3,944, an increase of $1,009 each year. Now add one accident along with the two speeding tickets and the 12-month cost of insurance after a speeding ticket increases to an average of $4,975. That’s an increase of $2,040, or $170 per month, just for a couple of infractions!
Here’s why you should shop around
San Jose insurance rates are impacted by many things which can substantially decrease or increase the price you pay. Improving your credit rating, buying a different home, or getting a driving violation may generate price changes resulting in some rates now being cheaper than before. Not only that, but insurance companies modify pricing without warning to reflect underwriting profits or losses. Significantly higher losses can result in additional price hikes, while lower claim expenses may cause more affordable San Jose car insurance rates.
To illustrate this example, the chart below shows a variety of companies that have the cheapest car insurance in San Jose, CA for a 30-year-old male driver with a good driving record, no prior claims, and good financial standing. If we estimate rates based on his personal profile, USAA may have the lowest car insurance rates in San Jose at $1,223 a year. This is $428 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the rest of the most affordable San Jose, CA auto insurance companies.
The chart below compares rates after we give the driver from the above example an accident claim, less-than-perfect credit, and a few blemishes on his driving record. Due to the fact that each insurance company has a unique approach to set their prices, comparing rates most likely will result in a different list of companies as shown below.
Grange now has the cheapest insurance rate in San Jose, CA with Allstate, Progressive, Mercury, and GEICO completing the list. This example proves why it is important to do a thorough rate comparison when trying to get the most economical insurance quotes after a speeding ticket.
Auto insurance prices are influenced by many different factors and can decrease or increase without notice, so the cheapest company six months ago may now be costing you a lot of money.
How to find cheaper auto insurance after a speeding ticket
The list below shows some of the better thrifty suggestions that can help drivers buy cheaper auto insurance.
- Discounts for being claim-free can be substantial
- Buy safe vehicles
- Buy your homeowners policy from the same company as your auto insurance
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Prevent rate increases by staying accident-free
- Comparison shop frequently
The last tip in the list is extremely critical, as we pointed out in this write-up. Insurance prices change a lot, so drivers shouldn’t be reluctant to buy a policy from a new company if you find a better deal.
Having a favorite company is fine, but it’s not a great idea if your bullheadedness ends up costing you big bucks every year. Now is a great time to shop around to find cheaper auto insurance after a speeding ticket in San Jose.
The agents below can help you determine which coverage meets your needs best, since some people have coverage questions and would like to get some guidance when shopping for the best coverage after a few driving violations. It can be hard to find the cheapest rates, so getting advice from a licensed California insurance agent can give comfort knowing your policy gives you adequate protection. To find an auto insurance agency close to where you live, click the button at the bottom.
Care Insurance Agency Inc
900 N 1st St E – San Jose, CA 95112 – (408) 292-2925
Mike Myers – State Farm Insurance Agent
4855 Atherton Ave #150 – San Jose, CA 95130 – (408) 550-7868
Steve Sosnowski – State Farm Insurance Agent
841 Blossom Hill Rd #102 – San Jose, CA 95123 – (408) 629-4700