Who Has the Cheapest Auto Insurance After a Speeding Ticket in Los Angeles?

Determining which company quotes the lowest-priced car insurance rates after a speeding ticket will take a little more work in order to find the lowest price quote. Every auto insurer has a unique formula to establish rates, so let’s take a look at the most affordable car insurance companies in Los Angeles.

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,157
3 CSAA $1,198
4 Century National $1,226
5 Nationwide $1,263
6 21st Century $1,379
7 Grange $1,433
8 Mercury $1,503
9 Allstate $1,543
10 Progressive $1,558
11 The Hartford $1,575
12 GEICO $1,575
13 Allied $1,588
14 MetLife $1,606
15 Unitrin $1,682
16 Esurance $1,739
17 State Farm $1,750
18 Travelers $1,788
19 Bristol West $1,849
20 Farmers $1,946
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USAA may have some of the most affordable car insurance rates in Los Angeles at around $1,121 a year. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the cheapest Los Angeles, CA auto insurance companies.

As shown in the rates above, if you are insured with Century National and switched to Wawanesa, you may realize yearly savings of around $69. Insureds with Nationwide might save as much as $106 a year, and 21st Century insureds might cut rates by $222 a year.

To find cheaper insurance rates for your vehicle, click here to start your free quote or visit several of the following companies.

Understand that those prices are averaged for all drivers and vehicles in California and do not factor in a specific location after a speeding ticket. So the company that is best suited for you may not even be in the top 24 companies shown above. That’s why you need to get car insurance quotes using your own driver data and vehicle information.

The vehicle model you are buying coverage for is probably the biggest factor when shopping for cheap insurance after a speeding ticket. Vehicles with reasonable performance levels, good safety features, or low incidents of liability claims will cost quite a bit less to insure than fast, unsafe models. The next list showcases auto insurance prices for a handful of the cheapest automobiles to buy coverage for.

Cheapest Vehicles to Insure in Los Angeles, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Hyundai Elantra SE Touring Station Wagon $2,907
Honda Accord LX 4-Dr Sedan $2,919
Toyota Prius $2,966
Honda CR-V EX-L 4WD $2,990
Ford Escape Limited 2WD $3,000
Chevrolet Equinox LS 2WD $3,163
Chevrolet Impala LT $3,168
Toyota RAV4 Limited 4WD $3,163
Toyota Camry LE $3,169
Dodge Grand Caravan SE $3,188
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $3,222
Ford F-150 Lariat Super Cab 4WD $3,229
Ford Explorer XLT 4WD $3,274
Honda Civic DX 4-Dr Sedan $3,311
Honda Odyssey EX $3,376
Ford Focus SE 4-Dr Sedan $3,385
GMC Sierra SLE Regular Cab 2WD $3,379
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Prices based on single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in your specific Los Angeles, CA location which can affect coverage rates significantly.

Looking at the rates, we can infer that cars like the Hyundai Elantra, Honda Accord, and Toyota Prius are going to be some of the cheapest vehicles to insure after a few driving violations.

Liability-only versus full coverage

Saving money when shopping for car insurance is the goal of the majority of drivers, and one of the fastest ways to pay lower rates for insurance after a speeding ticket is to not buy comprehensive and collision coverage. The information below illustrates the comparison of auto insurance costs with full coverage and liability only. The costs are based on no claims, a clean driving record, $100 deductibles, single status, and no discounts are taken into consideration.

If we average all the age groups together, full coverage on your policy costs $3,385 per year over and above liability coverage. At some point, almost every driver questions if buying full coverage is a good investment. There is no clear-cut formula for eliminating comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s settlement value is $6,500 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $5,500 after paying your deductible. If you are paying in excess of $550 a year for full coverage, then it might be time to consider dropping full coverage.

There are some conditions where only buying liability is not in your best interest. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Get discount Los Angeles car insurance rates

Discounts on car insurance after a speeding ticketInsurance providers that provide policies after a speeding ticket may also provide premium discounts that could lower prices by as much as 35% or more if you are eligible to receive them. A list of car insurance companies and a summarized list of policyholder discounts can be read below.

The illustration below illustrates the difference between car insurance costs with and without discounts. The costs are based on a male driver, three traffic citations and no accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paperless filing, anti-theft, passive restraint, homeowner, continuous coverage, and marriage discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance after a speeding ticket is 28% or $1,079.

Comparing rates can save you money

Los Angeles car insurance rates are determined by lots of factors that may substantially change the price you pay. Improving your credit rating, having a teen driver, or getting a few speeding tickets can cause premium changes resulting in some companies being more affordable than before.

In addition, auto insurance companies modify pricing multiple times each year to adjust for heavy claims or excess profits. Significantly higher losses can result in high rates, while better underwriting may produce lower-cost Los Angeles car insurance rates.

To help illustrate this point, the graph below analyzes the cheapest car insurance in Los Angeles, CA for a 40-year-old female driver with a good driving record, no prior claims, and a good credit history. If we estimate rates based on her current risk factors, USAA has the cheapest car insurance rates in Los Angeles at $1,729 a year. This is $78 more than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide round out the rest of the most affordable Los Angeles, CA auto insurance companies.

In this next rate comparison, we will give the driver in the first example a chargeable accident, a little lower credit rating, and a traffic citation. Because each insurer has a proprietary method to set their prices, comparing quotes may now result in a significantly different list of affordable companies as shown below.

Grange now has the best car insurance rate in Los Angeles, CA with Progressive, Allstate, Mercury, and Allied also being competitive. This example demonstrates why it is crucial to perform an extensive rate comparison when trying to find the best auto insurance rates after a speeding ticket. Insurance prices are impacted by many different factors and can decrease or increase without notice, so the lowest-price company six months ago may now be quite expensive.

If you prefer to get help from a professional when shopping for cheaper insurance after a speeding ticket, the professional agents shown below are a good start to help you decide which is the best policy.

To locate a Los Angeles car insurance agency close to you, click the link at the bottom or click here to compare price quotes now.

Hillary Heyl – State Farm Insurance Agent
1990 Westwood Blvd #100Los Angeles, CA 90025(310) 234-9600

Gregory Kim – State Farm Insurance Agent
3580 Wilshire Blvd #130Los Angeles, CA 90010(213) 365-2071

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

Susman Insurance Agency
11611 San Vicente Blvd #515Los Angeles, CA 90049(310) 820-5200

Odette Manalastas – State Farm Insurance Agent
4448 Eagle Rock Blvd eLos Angeles, CA 90041(323) 254-5800

More Los Angeles, CA insurance agents