Who Has Cheap Auto Insurance Quotes with Multiple Speeding Tickets in Los Angeles?

The words “cheap” and “insurance” really shouldn’t be used together, especially when trying to find the best insurance rates with multiple speeding tickets. Let’s teach you some of the things that influence car insurance rates, and see if you can reduce the price of your next policy.

Finding good, low-cost auto insurance is challenging, and finding out which company quotes the most affordable auto insurance rates with multiple speeding tickets calls for even more rate comparisons.

Every insurance provider uses a little different formula to determine rates, so to begin we’ll rank the auto insurance companies that tend to be cheaper in Los Angeles. It’s a good idea to be aware that California auto insurance rates are impacted by many things that can increase the price of coverage. Simply improving your credit, buying higher coverage limits, or getting a reckless driving citation can trigger price changes that can make some companies more affordable than the competition.

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What’s the cheapest car insurance in California?
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 Nationwide $1,213
4 Century National $1,226
5 CSAA $1,234
6 21st Century $1,379
7 Grange $1,447
8 Allied $1,541
9 Allstate $1,543
10 Mercury $1,548
11 Progressive $1,558
12 GEICO $1,559
13 The Hartford $1,575
14 MetLife $1,606
15 Esurance $1,705
16 Unitrin $1,733
17 State Farm $1,733
18 Travelers $1,806
19 Bristol West $1,831
20 Farmers $1,946
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Wawanesa offers some of the lowest car insurance rates in Los Angeles at around $1,146 a year. USAA, Nationwide, Century National, and CSAA also make the cut as some of the more affordable Los Angeles, CA car insurance companies.

In the rate table above, if you currently have coverage with USAA and switched to Wawanesa, you might realize a yearly price reduction of around $9. Drivers with Nationwide might save as much as $67 a year, and Century National insureds might see rate reductions of $80 a year.

Understand that those estimates are averages for all drivers and vehicles in California and do not take into consideration an exact zip code location with multiple speeding tickets. So the company that fits your age and vehicle best may not even be in the top 24 companies in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

After a few driving violations, one of the big factors that are used to help calculate the amount you pay each year for auto insurance is where you normally keep your vehicle in Los Angeles. More densely populated places tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper car insurance.

The table below shows the highest-priced places in California with multiple speeding tickets to buy an auto insurance policy in. Los Angeles is listed at #2 with the annual price of $2,104 for the average policyholder, which is around $175 each month.

How much does car insurance cost in Los Angeles, CA?
Rank City Premium Per Year
1 Glendale $2,142
2 Los Angeles $2,104
3 San Francisco $1,763
4 Oakland $1,704
5 Sacramento $1,703
6 San Bernardino $1,644
7 Long Beach $1,626
8 Stockton $1,603
9 Santa Clarita $1,595
10 Moreno Valley $1,551
11 Modesto $1,547
12 Riverside $1,542
13 Garden Grove $1,524
14 Fontana $1,519
15 Fresno $1,502
16 Santa Ana $1,497
17 San Jose $1,437
18 Anaheim $1,430
19 Huntington Beach $1,402
20 Bakersfield $1,381
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Prices are comparative as the garaging address in Los Angeles can influence insurance rates substantially.

The make and model of vehicle requiring insurance is a large factor in finding economical insurance with multiple speeding tickets. Vehicles with lower performance, good safety features, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models.

The table below estimates coverage prices for a handful of the most affordable automobiles to insure in California.

Cheapest Vehicles to Insure in Los Angeles, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $3,097
Toyota Prius $3,437
Honda CR-V LX 2WD $3,594
Volkswagen Jetta SE 2.5 Station Wagon $3,638
Chevrolet Equinox LS 2WD $3,665
Ford Escape Limited 4WD $3,715
Toyota Tacoma Double Cab TRD Sport Package 4WD $3,735
Honda Odyssey LX $3,751
Toyota Camry XLE $3,865
Toyota Corolla XLE $3,874
Kia Optima LX $3,928
Ford Focus SE 4-Dr Sedan $3,972
Dodge Grand Caravan CV $4,022
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $4,035
Jeep Grand Cherokee Laredo 4WD $4,045
Chevrolet Malibu LS $4,052
Ford Explorer Eddie Bauer AWD $4,122
Ford Fusion SEL AWD 4-Dr Sedan $4,206
Chevrolet Silverado LS Regular Cab 2WD $4,236
Toyota RAV4 Limited 4WD $4,256
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Price 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 claim-free, homeowner, multi-vehicle, and multi-policy. Information does not factor in vehicle garaging location which can raise or lower premiums considerably.

Based upon the rates shown, cars like the Hyundai Elantra, Toyota Prius, and Honda CR-V are going to be a few of the less-costly vehicles to insure after a few driving violations.

What is the best auto insurance company in Los Angeles?

Selecting the top insurance company is hard considering how many different insurance companies sell coverage in Los Angeles. The company ratings below can help you select which providers to look at when shopping car insurance rates with multiple speeding tickets.

The rankings below include companies that insure vehicles across America, so smaller companies that only insure vehicles in California are not included in these rankings. To get rate quotes from these top insurers and more, click this link.

Top Auto Insurance Companies with Multiple Speeding Tickets in Los Angeles, CA
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
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Liability rates compared to full coverage

Paying less for auto insurance should be important to the majority of people, and one of the quickest ways to pay less for insurance with multiple speeding tickets is to only buy liability coverage. The diagram below shows the difference between car insurance rates with and without full coverage. The data assumes no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are factored in.

If we average the cost for ages 20 through 70, full coverage costs an extra $2,501 per year over having just liability coverage. Lot’s of drivers question if buying full coverage is a waste of money. There is no exact rule for dropping physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your vehicle’s claim settlement value is $11,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $10,000 after you pay the deductible. If you are paying in excess of $1,000 a year for your policy with full coverage, then you may need to consider dropping full coverage.

The illustration below shows how different deductible levels can affect insurance costs when searching for cheap insurance with multiple speeding tickets. The price estimates are based on a single female driver, full coverage, and no discounts are factored in.

The chart above illustrates that a 30-year-old driver could pocket $544 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $816 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, can save as much as $1,216 annually just by using higher deductibles.

If you make the decision to raise deductibles, it will now be necessary to have plenty of money set aside to offset the extra out-of-pocket expense that comes with higher deductibles.

How to find cheaper insurance with multiple speeding tickets

The list below details a few penny-pinching ideas that can help California drivers quote more affordable coverage.

That last tip is very critical, as was pointed out in this write-up. Auto insurance rates fluctuate considerably, so don’t hesitate to buy a policy from a new company if you can save money. Many drivers prefer to stick with one company, but we do not recommend it if it’s costing you hundreds of dollars year after year. Spend a few minutes and compare rates and find cheaper auto insurance with multiple speeding tickets in Los Angeles.

The agents below can provide answers to your questions and help you determine which coverage meets your needs best, since some drivers aren’t sure which coverage they need and prefer to have a little guidance when shopping around for cheaper insurance after a few driving violations. It’s not always simple to find the cheapest rate yourself, so agents can bring comfort knowing your coverage gives you adequate asset protection.

To find a Los Angeles insurance agency near you, click the button after the list.

Rodney Brown – State Farm Insurance Agent
7154 Melrose AveLos Angeles, CA 90046(323) 931-1466

Lisa Brown – State Farm Insurance Agent
1247 S La Brea AveLos Angeles, CA 90019(323) 954-9763

Terza West-Dantzler – State Farm Insurance Agent
875 N Gower StLos Angeles, CA 90038(323) 462-1096

Ted Hope – State Farm Insurance Agent
2049 W Manchester AveLos Angeles, CA 90047(323) 752-4885

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