The words "economical" and "insurance" probably shouldn't be used together, especially when trying to find the cheapest car insurance with multiple speeding tickets. Let's introduce you to a few of the factors that determine auto insurance rates, and find out if we can help you take the bite out of the next policy you buy.
Finding good, reasonably-priced insurance is confusing at best, and finding out which companies quote the lowest-priced insurance rates with multiple speeding tickets will involve a little more work. Every insurance provider uses their own formula for filing rates in each state, so let's take a look at the most budget-friendly insurance companies in California.
Best Auto Insurance Prices with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | CSAA | $1,186 |
| 3 | Wawanesa | $1,192 |
| 4 | Nationwide | $1,213 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,513 |
| 10 | GEICO | $1,529 |
| 11 | Mercury | $1,548 |
| 12 | Allied | $1,603 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,733 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,026 |
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USAA may offer some of the most affordable car insurance rates in Santa Ana at around $1,143 each year. CSAA, Wawanesa, Nationwide, and Century National would also make the list of some of the lowest-priced Santa Ana, CA insurance companies.
In the above rates, if you are a customer of Wawanesa and switched to USAA, you could earn yearly savings of in the neighborhood of $49. Insureds with Nationwide may save as much as $70 a year, and Century National policyholders might lower prices by $83 a year.
To find the cheapest rates for your vehicle, click here to start your free quote or visit several of the following companies.
Be aware that those rates are averages across all drivers and vehicles and and are not calculated with a specific vehicle garaging location with multiple speeding tickets. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That points out the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.
The make and model of vehicle you are insuring is a significant factor when shopping for the most economical insurance with multiple speeding tickets. Vehicles with economical engines, advanced safety features, or low incidents of liability claims will cost less to insure than fast, unsafe models. The list below presents auto insurance premiums for a number of the more affordable vehicles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Volkswagen Jetta S 2.5 Station Wagon | $1,529 |
| Ford Escape Limited 2WD | $1,534 |
| Honda CR-V LX 4WD | $1,536 |
| Hyundai Elantra GLS Touring Station Wagon | $1,546 |
| Ford Explorer Eddie Bauer 2WD | $1,572 |
| Toyota Camry LE | $1,666 |
| Toyota Prius | $1,668 |
| Ford F-150 XLT Crew Cab 2WD | $1,726 |
| Honda Odyssey EX-L W/Navigation | $1,757 |
| Ford Edge Sport AWD | $1,765 |
| Chevrolet Equinox LS 2WD | $1,775 |
| Toyota RAV4 4WD | $1,780 |
| Chevrolet Silverado LT Extended Cab 2WD | $1,782 |
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Data rating is based on single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, and multi-vehicle. Information does not factor in specific zip code location which can impact insurance rates greatly.
Based on these rates, you can presume that cars like the Volkswagen Jetta, Ford Escape, Honda CR-V, and Hyundai Elantra should be some of the most budget-friendly vehicles to insure after a few driving violations.
Cost comparison with and without full coverage
Saving money on insurance should be important to the majority of people, and one of the easiest ways to pay lower rates for insurance with multiple speeding tickets is to not buy full coverage. The diagram below illustrates the comparison of auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no violations or claims, $250 deductibles, single marital status, and no discounts are applied.
Averaged out for all age groups, comprehensive and collision coverage on your policy costs an extra $2,314 per year over and above liability coverage. That is a large expense which might make you wonder if paying for full coverage is a waste of money. There is no written rule of when to drop full coverage, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.
There are a few situations where dropping full coverage is not in your best interest. If you haven't satisfied your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.
Poor driving habits will raise your insurance rates
One of the best ways to enjoy good insurance prices after a few driving violations is to drive attentively and have a clean driving record. The example below illustrates how speeding tickets and at-fault fender-benders drive up insurance costs for each age group. The data is based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.
The chart shows that the average cost of car insurance in Santa Ana per year with no accidents or violations is $2,199. Factor in two speeding tickets and the average cost surges to $2,951, an increase of $752 each year. Then add one accident along with the two speeding tickets and the annual cost of insurance with multiple speeding tickets jumps again to an average of $3,702. That's an increase of $1,503, or $125 per month, just for not driving safely!
Ending up with a high-quality company is difficult considering how many different insurance companies sell coverage in Santa Ana. The ranking information displayed below may help you decide which insurers you want to consider when shopping around. The rankings below include companies who write in the majority of U.S. states, so smaller regional companies are not taken into consideration for these rankings.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Why you should compare rates
Santa Ana insurance rates are impacted by many things that will increase or decrease the price of your policy. Simply improving your credit, buying a different home, or getting a few speeding tickets can trigger price changes that can now make some companies cheaper in comparison to the competition.
Not only may things change on your end, but companies modify pricing without warning to adjust for unexpected claims or profits. Larger than normal claims may result in higher prices, while better underwriting may result in lower-priced Santa Ana car insurance rates.
For instance, the bar chart below shows which company has the cheapest car insurance in Santa Ana, CA for a 30-year-old male driver with no accidents, a clean driving record, and a high credit rating. When comparing rates based on his current risk profile, USAA offers the best car insurance rates in Santa Ana at $1,242 each year. This is $409 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remainder of the best Santa Ana, CA auto insurance companies.
In this example, we will give the driver from above an at-fault accident, bad credit, and a traffic ticket or two. Due to the fact that each insurance company has a unique approach for establishing rates, comparing quotes may result in a substantially altered list of cheap Santa Ana auto insurance companies as shown below.
Grange now has the cheapest auto insurance in Santa Ana with Progressive, Mercury, GEICO, and Allstate now rounding out the top five. This illustrates why it is crucial to spend some time comparing rates to get the lowest insurance quotes with multiple speeding tickets. Prices are made up of many things and can change substantially, so the most economical option the last time you shopped around may now be quite expensive.