The car, truck, or SUV you are insuring is probably the biggest factor that determines whether or not you can buy the lowest-priced coverage after a speeding ticket. Vehicles with economical engines, advanced safety features, or a track record of few liability claims will cost less to insure than higher performance models.
The information below outlines car insurance rates for a selection of the more affordable vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Volkswagen Jetta S 2.5 Station Wagon | $1,679 |
| Ford Edge SE 2WD | $1,698 |
| Hyundai Elantra GLS Touring Station Wagon | $1,707 |
| Honda CR-V EX-L 4WD | $1,745 |
| Honda Accord EX 4-Dr Sedan | $1,794 |
| Toyota Tacoma 2WD | $1,797 |
| Honda Odyssey EX | $1,802 |
| Chevrolet Impala LT | $1,830 |
| Ford Escape Limited 2WD | $1,837 |
| Ford F-150 XL Super Cab 2WD | $1,872 |
| Toyota Prius | $1,894 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,957 |
| Honda Civic Hybrid 4-Dr Sedan | $1,967 |
| Dodge Ram Crew Cab ST 2WD | $1,993 |
| Dodge Grand Caravan Hero | $2,021 |
| Ford Explorer Eddie Bauer 4WD | $2,059 |
| Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD | $2,101 |
| Toyota RAV4 Limited 4WD | $2,123 |
| Chevrolet Equinox LS AWD | $2,130 |
| Toyota Camry SE | $2,132 |
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Data variables include single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in vehicle location which can influence price quotes substantially.
Based on these rates, models like the Volkswagen Jetta, Ford Edge, Hyundai Elantra, and Honda CR-V are likely to be the less-costly vehicles to insure after a few driving violations.
One of the more important factors that determine the cost of insurance is your zip code. Areas with more people or more claims tend to have more expensive car insurance rates, whereas more rural areas have the luxury of lower rates.
The illustration below sorts the most expensive areas in California after a speeding ticket to buy auto insurance in. Stockton shows up at #7 having an annual price of $1,588 for the average policyholder, which is about $132 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,755 |
| 4 | Sacramento | $1,703 |
| 5 | San Francisco | $1,693 |
| 6 | Long Beach | $1,626 |
| 7 | Stockton | $1,588 |
| 8 | Fontana | $1,581 |
| 9 | San Bernardino | $1,580 |
| 10 | Santa Clarita | $1,580 |
| 11 | Garden Grove | $1,570 |
| 12 | Modesto | $1,502 |
| 13 | Riverside | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Santa Ana | $1,483 |
| 16 | Fresno | $1,472 |
| 17 | Anaheim | $1,444 |
| 18 | Huntington Beach | $1,402 |
| 19 | Fremont | $1,389 |
| 20 | San Jose | $1,381 |
| 21 | Bakersfield | $1,353 |
| 22 | Chula Vista | $1,350 |
| 23 | Irvine | $1,343 |
| 24 | San Diego | $1,327 |
| 25 | Oxnard | $1,318 |
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Annual rates are estimated as the vehicle garaging location can impact coverage prices considerably.
Comparing quotes for budget insurance is easier said than done, and determining which companies quote the best auto insurance rates after a speeding ticket requires even more shopping around. Each insurer has a unique approach for determining prices, so let’s begin by examining the most competitive auto insurance companies in Stockton.
Find the Cheapest Auto Insurance with Licence Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,226 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,542 |
| 10 | GEICO | $1,559 |
| 11 | Allstate | $1,559 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,639 |
| 15 | Esurance | $1,688 |
| 16 | State Farm | $1,733 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
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USAA may have some of the best car insurance rates in Stockton at around $1,121 a year. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the most economical Stockton, CA auto insurance companies.
As depicted above, if you currently buy coverage from Century National and switched to USAA, you may see savings of about $105. Insureds with CSAA may save as much as $113 a year, and Nationwide insureds might lower prices by up to $142 a year.
To see if you’re overpaying, click here to get quotes or quote rates from the companies below.
Be aware that those estimates are averaged for all insureds and vehicles and do not factor in a specific zip code after a speeding ticket. So the company that has the lowest price for you may not even be in the top 24 companies in the list above. That emphasizes why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
Responsible drivers pay cheaper auto insurance rates
In a perfect world, the ideal way to score cheap auto insurance prices in Stockton after a few driving violations is to drive safely and avoid accidents and traffic citations. The example below shows how violations and at-fault collisions influence auto insurance rates for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
The data above shows the average cost of auto insurance in Stockton per year with a clean driving record and no accidents is $2,354. Add in one speeding ticket and the average cost jumps to $2,674, an increase of $320 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance after a speeding ticket increases to an average of $5,689. That’s an increase of $3,335, or $278 per month, just for not being more responsible behind the wheel!
Finding the best auto insurance company can be a challenge considering how many different insurance companies sell coverage in California. The company information below could help you analyze which coverage providers you want to consider when looking for cheaper rates.
These rankings are for the companies with a significant amount of written premium nationwide, so smaller regional companies are not included in these rankings. If you would like to check rates from the most competitive companies in California, just click here.
Top 10 Large Auto Insurance Providers in Stockton Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Large Auto Insurance Providers in Stockton Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
How to find economical auto insurance after a speeding ticket
The list below summarizes some of the recommended money-saving suggestions that can help you get lower-cost auto insurance.
- Buy your homeowners policy from the same company as your auto insurance
- Having too many claims will increase rates substantially
- Drive a car with a high safety rating
- Do not get traffic violations
- Avoid preventable accidents
- Compare rate quotes frequently
The final tip is certainly vital, as we hit on in the article above. Prices charged by auto insurers can be adjusted at any time, so drivers shouldn’t be reluctant to buy a policy from a new company if a cheaper rate is available.
Many drivers prefer to stick with one company, but is isn’t recommended if that loyalty results in overpaying money that could be used for better things. Take a few minutes and compare prices to find cheaper insurance after a speeding ticket in Stockton.
The insurance agencies below are willing to help you determine which insurance coverage will be best for you, as some people prefer to have the advice of a professional agent when shopping for the best coverage after a speeding ticket. It’s not always easy to do it yourself, and getting professional guidance from a licensed agent can give satisfaction knowing your coverage gives you adequate protection in the event of a claim.
To locate a Stockton car insurance agency using an interactive map, click the button link following the list.
- Truex Insurance Agency
4609 Quail Lakes Dr #1 – Stockton, CA 95207 – (209) 477-1111 - Acceptance Auto Insurance
2701 E Hammer Ln #108 – Stockton, CA 95210 – (209) 472-2200 - Jim Molina – State Farm Insurance Agent
7273 Murray Dr #7 – Stockton, CA 95210 – (209) 473-0516