The words “low-priced” and “insurance” really shouldn’t be used in the same sentence, especially when you are looking for the cheapest coverage after a speeding ticket. Let’s start off by going over some of the things that can significantly affect car insurance rates, and see how we can help you cut the cost of your next policy.
After a few driving violations, one of the big components that aid in calculating car insurance rates is your address in Long Beach. Areas with more people or higher crime rates tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of lower rates.
The next table ranks the highest-priced areas in California after a speeding ticket to purchase car insurance in. Long Beach comes in at #7 with an annual premium of $1,610 for the average insured, which is approximately $134 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,738 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,711 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,610 |
| 8 | Santa Clarita | $1,595 |
| 9 | Fontana | $1,566 |
| 10 | Stockton | $1,556 |
| 11 | Garden Grove | $1,554 |
| 12 | Moreno Valley | $1,551 |
| 13 | Fresno | $1,502 |
| 14 | Santa Ana | $1,497 |
| 15 | Modesto | $1,487 |
| 16 | Riverside | $1,482 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Fremont | $1,403 |
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Price information shown is estimated as vehicle location can alter coverage prices considerably.
Finding out which company quotes the best car insurance rates after a speeding ticket requires a tad more effort in order to find the most economical policy.
Each insurance company has their own guidelines for setting prices, so we need to take a look at the car insurance companies with the overall cheapest rates in Long Beach, CA. We do need to point out that Long Beach, CA car insurance rates are calculated based on many things that will increase or decrease the cost of coverage. Simply getting older, marrying your spouse, or getting a DUI may prompt premium changes resulting in some rates now being affordable when they were higher priced.
Lowest Insurance Price Quotes with Licence Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,222 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,512 |
| 11 | GEICO | $1,529 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,705 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
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USAA offers some of the most affordable car insurance rates in Long Beach at around $1,109 a year. Wawanesa, CSAA, Century National, and Nationwide are also some of the best Long Beach, CA insurance companies.
As the example above demonstrates, if you are currently insured with Century National and switched to USAA, you could earn an annual savings of in the neighborhood of $117. Policyholders with Nationwide may save as much as $154 a year, and 21st Century insureds might realize rate reductions of up to $270 a year.
To find the cheapest rates for your vehicle, click here to get quotes or feel free to get quotes from the companies below.
Understand that those policy prices are averaged across all insureds and vehicles and and are not calculated with an exact vehicle garaging location after a speeding ticket. So the insurer that has the lowest price for you may not even be in the list above. That underscores the importance of why you need to quote rates from many companies using your own personal information and vehicle type.
The vehicle you are trying to insure is a large factor when trying to find cheap coverage after a speeding ticket. Vehicles with high performance, poor passenger safety features, or high incidents of liability claims will cost more to insure than safer, lower-performance models. The table below estimates auto insurance prices for the most economical automobiles to insure in California.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,883 |
| Honda CR-V EX 4WD | $1,922 |
| Volkswagen Jetta 2.0T Station Wagon | $2,007 |
| Toyota Tacoma 4WD | $2,108 |
| Toyota Corolla S | $2,131 |
| Chevrolet Impala LTZ | $2,137 |
| Nissan Altima Hybrid 4-Dr Sedan | $2,170 |
| Ford Edge SE AWD | $2,190 |
| Toyota Prius | $2,203 |
| Ford F-150 XL Crew Cab 2WD | $2,215 |
| Jeep Grand Cherokee Laredo 2WD | $2,230 |
| Toyota RAV4 Limited 4WD | $2,236 |
| Toyota Camry LE | $2,230 |
| Ford Explorer Limited AWD | $2,272 |
| Honda Odyssey EX | $2,299 |
| Hyundai Sonata Limited 4-Dr Sedan | $2,314 |
| GMC Sierra 2500HD SLE Regular Cab 2WD | $2,323 |
| Toyota Camry Hybrid | $2,314 |
| Dodge Ram Quad Cab Sport 2WD | $2,352 |
| Nissan Rogue S AWD | $2,389 |
| Dodge Grand Caravan SXT | $2,391 |
| Chevrolet Malibu LT | $2,398 |
| Chevrolet Equinox LTZ AWD | $2,394 |
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Cost estimates assume 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, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific garaging location which can change rates greatly.
Based upon the rates shown, makes and models like the Ford Escape, Honda CR-V, Volkswagen Jetta, Toyota Tacoma, and Toyota Corolla will be a few of the most economical vehicles to insure after a few driving violations.
Types of discounts on Long Beach insurance rates
Insurers that offer cheap quotes after a speeding ticket may have policy discounts that could potentially reduce rates by 35% or more if you can meet the requirements. The best car insurance companies and a selection of discounts can be found below.
- Esurance has discounts for DriveSense, multi-car, renters, emergency road assistance, and anti-lock brakes.
- The Hartford has savings for driver training, bundle, air bag, defensive driver, vehicle fuel type, good student, and anti-theft.
- AAA discounts include good student, multi-policy, pay-in-full, multi-car, education and occupation, and AAA membership discount.
- GEICO includes discounts for daytime running lights, emergency military deployment, anti-lock brakes, defensive driver, multi-vehicle, and multi-policy.
- State Farm may have discounts that include good student, defensive driving training, safe vehicle, student away at school, Drive Safe & Save, and passive restraint.
The diagram below shows the difference between insurance costs with and without discounts. The rate quotes are based on a male driver, three violations and no accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, homeowner, multiple policy, continuous coverage, anti-theft, and vehicle safety discounts applied. When discounts are applied, the average savings per year on car insurance after a speeding ticket is 28% or $971.
Selecting the highest-rated auto insurance provider is difficult considering how many companies provide coverage in California. The company ratings listed below can help you pick which companies you want to consider when trying to find cheaper insurance after a speeding ticket.
These ratings include insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in California are not included in the list. To check rates from these companies and more, simply click here.
Top 10 Major Auto Insurance Companies in Long Beach Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Major Auto Insurance Companies in Long Beach Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
The importance of shopping around
Long Beach, CA car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of your policy. Getting older, becoming a homeowner, or having an at-fault accident can cause premium changes that can cause some rates to be cheaper than competitors.
Also, car insurance companies change premium rates as needed in order to remain profitable. Heavy losses can cause higher prices, while a lower level of claims may cause cheaper Long Beach car insurance rates.
The chart below analyzes the cheapest car insurance in Long Beach, CA for a 45-year-old male driver with no accidents or violations, and a good credit rating. If we estimate rates based on his current risk factors, USAA might quote the most affordable car insurance rates in Long Beach at $1,390 a year. This is $261 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the top five cheapest Long Beach, CA auto insurance companies.
In this next rate comparison, we will give the driver from the above example an at-fault accident, poor credit, and a speeding citation. Due to the fact that each insurance company has their own process for filing rates in each state, comparing prices may now show a significantly different list of the cheapest Long Beach car insurance companies as shown below.
Grange now has the best price on car insurance in Long Beach, CA with Allstate, Mercury, Progressive, and Allied now rounding out the top five. This shows why Long Beach drivers need to perform a complete rate comparison to get the most budget-friendly car insurance rates after a speeding ticket. Rates are influenced by many risk factors and change dramatically, so the most economical company a year ago may now be an over-priced policy.
How to find low-cost car insurance after a speeding ticket
It’s not impossible to find cheaper rates, and here are many thrifty solutions that can help California drivers buy lower-cost coverage.
- Drive a car with a high safety rating
- Do not insure for full coverage
- Increase your credit rating
- Increase your comprehensive and collision deductibles
- Speeding tickets and other violations increase rates
- At-fault accidents can raise rates significantly
- Comparison shop at least every other year
The final tip is extremely important, as we pointed out in the prior information. Insurance rates go up and down frequently, so don’t be tentative to buy a different policy if a more affordable rate is found. Loyalty to a specific company is fine, but it’s not a great idea if it’s costing you thousands of dollars over several years. Take a couple minutes and compare prices to find cheaper auto insurance after a speeding ticket in Long Beach.