Who Has the Cheapest Auto Insurance After a Speeding Ticket in San Francisco?

The vehicle requiring coverage is one of the primary factors in finding the best cheap insurance after a speeding ticket. Vehicles with limited speed and performance, a great safety record, or a positive history of liability claims will cost substantially less to insure than high performance models.

The data below ranks auto insurance costs for a handful of the more affordable vehicles to insure in California.

Cheapest Vehicles to Insure in San Francisco, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $2,257
Toyota Prius $2,271
Jeep Wrangler Sahara 4WD 2-Dr $2,295
Honda Accord LX-P 4-Dr Sedan $2,377
Honda CR-V LX 2WD $2,385
Ford Edge SE AWD $2,380
Jeep Grand Cherokee Laredo 4WD $2,426
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $2,472
Chevrolet Malibu LT $2,480
Dodge Ram 3500 Crew Cab Laramie 2WD $2,472
Ford Explorer XLT 4WD $2,532
Dodge Grand Caravan SE $2,537
Ford Escape Limited 4WD $2,586
Chevrolet Silverado LT Regular Cab $2,597
Ford F-150 Lariat King Ranch 2WD $2,605
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Table data represents single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in vehicle location which can lower or raise premiums substantially.

Based upon the table data, we can conclude that models like the Hyundai Elantra, Toyota Prius, Jeep Wrangler, Honda Accord, and Honda CR-V are going to be some of the most economical vehicles to insure after a few driving violations.

Finding out which companies offer the cheapest auto insurance rates after a speeding ticket may require a little more work than just picking a company at random. Each auto insurance company has their own unique process to set premium rates, so let’s rank the auto insurance companies with the overall cheapest rates in San Francisco.

Cheapest Insurance Rates with Licence Points

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,157
3 Century National $1,226
4 Nationwide $1,226
5 CSAA $1,234
6 21st Century $1,338
7 Grange $1,447
8 Mercury $1,503
9 GEICO $1,529
10 Allied $1,541
11 Progressive $1,542
12 Allstate $1,543
13 The Hartford $1,575
14 MetLife $1,654
15 Esurance $1,705
16 Unitrin $1,750
17 State Farm $1,750
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $2,026
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USAA normally has some of the cheapest car insurance rates in San Francisco at around $1,155 annually. Wawanesa, Century National, Nationwide, and CSAA are also some of the best San Francisco, CA auto insurance companies.

In the above example, if you are a customer of CSAA and switched to Wawanesa, you may see a yearly price reduction of roughly $77. Drivers with 21st Century could save as much as $181 a year, and Grange customers might lower prices by $290 a year.

It’s important to note that these rates are averaged for all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location after a speeding ticket. So the auto insurance company that fits you best may not even be in the list above. That point stresses why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

Tickets and at-fault accidents raise rates

The best way to maintain affordable auto insurance prices in San Francisco after a few driving violations is to be a cautious driver and avoid at-fault accidents and violations. The chart below demonstrates how traffic citations and at-fault claims increase insurance rates for each age group. The information is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of auto insurance in California per year with no accidents or violations is $1,418. Receive two speeding tickets and the average cost increases to $2,003, an increase of $585 each year. Now include two accidents along with the two speeding tickets and the yearly cost of auto insurance after a speeding ticket jumps again to an average of $4,452. That’s an increase of $3,034, or $253 per month, just for being a less-than-perfect driver!

California auto insurance companies

Picking the top company can be challenging considering how many choices there are in San Francisco. The company information shown below can help you analyze which providers you want to consider when comparing auto insurance rates after a speeding ticket. These ratings only include the largest companies in the United States, so smaller companies that only insure vehicles in California will not be included in the list.

Top 10 Large Auto Insurers in San Francisco Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Large Auto Insurers in San Francisco Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Tips for buying cheaper auto insurance after a speeding ticket

Here are some of the better money-saving solutions that can help you quote lower-cost auto insurance.

That last idea is certainly crucial, as was noted in this article. Coverage prices in San Francisco go up and down frequently, so don’t hesitate to change insurance companies if a lower-cost policy is available.

Many drivers have brand loyalty and that’s fine, but it’s not a great idea if it’s costing you lots of hard earned cash every month. Spend a few minutes and compare rates and find cheaper auto insurance after a speeding ticket.

If you wish to have the advice of a professional agent when shopping for the best coverage after a few driving violations, the professional agents shown below are willing to help you determine which insurance coverage will be best for you. To find an agent by location nearest to you, click the button below the list or click here to get price quotes now.

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