The words “affordable” and “insurance” really shouldn’t be used in the same sentence, specifically when you are shopping around for the cheapest car insurance after a speeding ticket. In an attempt to save some money, let’s start off by going over some things that have a considerable impact on auto insurance prices, and see if we can help you lower the price of your next policy.
The vehicle needing coverage is one of the largest considerations in finding the best car insurance after a speeding ticket. Vehicles with limited top-end speed, good safety features, or low incidents of liability claims will cost much less to insure than high performance models.
The information below presents coverage costs for a number of the cheaper vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,066 |
| Ford Escape XLS 2WD | $1,154 |
| Honda Odyssey LX | $1,169 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,235 |
| Hyundai Elantra SE Touring Station Wagon | $1,242 |
| Toyota RAV4 Limited 4WD | $1,264 |
| Ford F-150 XLT Crew Cab 4WD | $1,291 |
| Dodge Grand Caravan SE | $1,301 |
| Toyota Prius | $1,293 |
| Ford Focus SEL 4-Dr Sedan | $1,309 |
| Ford Edge Sport AWD | $1,334 |
| Chevrolet Impala LS | $1,338 |
| Toyota Camry LE | $1,340 |
| Nissan Rogue S AWD | $1,351 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,361 |
| Chevrolet Malibu LTZ | $1,366 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,390 |
| Ford Explorer Eddie Bauer AWD | $1,398 |
| Toyota Tacoma Double Cab 4WD | $1,408 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,415 |
| Honda Civic EX 4-Dr Sedan | $1,424 |
| GMC Sierra SLE Extended Cab 4WD | $1,444 |
| Chevrolet Equinox LTZ AWD | $1,449 |
| Find Cheaper Rates Go | |
Data variables include married male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can change auto insurance rates substantially.
Based on these rates, models like the Honda CR-V, Ford Escape, and Honda Odyssey are most likely going to be the more affordable vehicles to insure after a few driving violations.
After a few driving violations, one of the big criteria that are used to help calculate auto insurance rates is where your residence is in Bakersfield. Regions with more people or even just more weather-related claims are more likely to pay higher prices, whereas areas with less crime or weather claims receive better rates.
The following table sorts the highest-priced places in California after a speeding ticket to buy an auto insurance policy in. Bakersfield comes in at #21 with an annual cost of $1,353 on average, which is about $113 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,058 |
| 3 | Sacramento | $1,720 |
| 4 | Oakland | $1,704 |
| 5 | San Francisco | $1,693 |
| 6 | Long Beach | $1,610 |
| 7 | San Bernardino | $1,596 |
| 8 | Santa Clarita | $1,595 |
| 9 | Fontana | $1,581 |
| 10 | Garden Grove | $1,570 |
| 11 | Stockton | $1,556 |
| 12 | Moreno Valley | $1,551 |
| 13 | Riverside | $1,497 |
| 14 | Modesto | $1,487 |
| 15 | Santa Ana | $1,483 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,457 |
| 18 | San Jose | $1,381 |
| 19 | Huntington Beach | $1,374 |
| 20 | San Diego | $1,368 |
| 21 | Bakersfield | $1,353 |
| 22 | Fremont | $1,348 |
| 23 | Chula Vista | $1,337 |
| 24 | Irvine | $1,330 |
| 25 | Oxnard | $1,304 |
| Compare Rates Now Go | ||
Prices are approximated as the garaging address in Bakersfield can influence price quotes greatly.
Finding out which company has the cheapest insurance rates after a speeding ticket requires more work in order to find the best price.
Each insurer uses different criteria to set their prices, so let’s take a look at the most affordable insurance companies in Bakersfield, CA.
Lowest Insurance Price Quotes with Licence Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,491 |
| 8 | Allstate | $1,513 |
| 9 | Mercury | $1,533 |
| 10 | Progressive | $1,542 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,606 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
| Find Your Rate Go | ||
Wawanesa offers some of the best car insurance rates in Bakersfield at around $1,146 per year. USAA, Century National, CSAA, and Nationwide also qualify as some of the best Bakersfield, CA insurance companies.
As shown in the rates above, if you currently have coverage with Nationwide and switched to USAA, you may see savings of approximately $108. Insureds with 21st Century might save as much as $211 a year, and Grange policyholders might see rate reductions of $336 a year.
To get a fast rate comparison, click here to start a quote or feel free to get quotes from the companies below.
These policy prices are averages across all types of drivers and the different vehicles they drive and do not factor in an exact location after a speeding ticket. So the insurer that can offer you the lowest price may not even be in the list above. That points out the importance of why you need to compare as many prices as possible using your own individual information.
Drive responsibly or pay higher rates
The common sense way to receive affordable insurance rates after a few driving violations is to drive attentively and have a clean driving record. The example below illustrates how violations and at-fault accidents can increase insurance prices for different age groups. The rates are based on a single male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of an auto insurance policy in California per year with no violations or accidents is $3,385. Add in one speeding ticket and the average cost surges to $3,814, an increase of $429 each year. Then add one accident along with the one speeding ticket and the yearly cost of insurance after a speeding ticket goes up to an average of $5,041. That’s an increase of $1,657, or $138 per month, just for being a less-than-perfect driver!
The example below illustrates how your choice of deductibles can impact insurance costs when getting quotes for cheap insurance after a speeding ticket. The rate quotes are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
As shown above, a 50-year-old driver could lower their policy premium by $362 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $546 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old category, could possibly save up to $1,190 or more just by using higher deductibles.
If you do raise deductibles, it will now be necessary to have spare funds to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Insurance companies ranked
Selecting the highest-rated auto insurance company is hard considering how many companies provide coverage in Bakersfield. The rank data below could help you decide which coverage providers to look at comparing rates with. These rankings only include the largest companies in the United States, so companies that focus mainly on California business will not be included in these rankings.
Top 10 Large Auto Insurance Companies Overall in Bakersfield
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Large Auto Insurance Companies in Bakersfield Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
How to find economical insurance after a speeding ticket
The list below summarizes some of the better money-saving suggestions that can help California drivers find lower-cost auto insurance.
- Serious violations like DUI or reckless driving can increase rates dramatically
- Accidents can significantly increase rates
- Higher deductibles mean lower rates
- Drop full coverage on older vehicles
- Frequent claims will increase rates
- Look for cheaper rates once a year by shopping around
The last tip in the list is certainly necessary, as was stressed in the article above. Prices charged by companies in Bakersfield change constantly, so don’t be hesitant to change to a new company if a lower-cost policy is available.
Many drivers prefer to stick with one company, but it’s not a great idea if that devotion results in you overpaying a wad of cash every year. It takes less than five minutes to compare rates and find cheaper car insurance after a speeding ticket.
If you have coverage questions and would like to get some guidance when comparing insurance rates after a speeding ticket, the agencies below are a good start to help you decide which auto insurance policy would work best for you. To locate a Bakersfield car insurance agency by location nearest to you, click the link at the bottom or click here to compare price quotes now.
- William K Lyons Agency Inc
2100 F St # 200 – Bakersfield, CA 93301 – (661) 327-9731 - Paul Sheldon Insurance and Benefits Planning
5251 Office Park Dr #100 – Bakersfield, CA 93309 – (661) 398-2298 - Allstate Insurance: Charles Brummer
4300 Coffee Rd, Ste A4 – Bakersfield, CA 93308 – (661) 283-0300 - Bill Thomas – State Farm Insurance Agent
8200 Stockdale Hwy Ste M3 – Bakersfield, CA 93311 – (661) 397-1999