It’s impossible to miss the captivating commercials from car insurance companies like Progressive, Allstate, and Nationwide that make claims of enormous savings. So you just need to choose any one of them, right?
It’s just not that simple, as there are a lot of unknowns like whether you are married or single, the crime level of your neighborhood, and how high your deductibles should be, that all impact the cost of coverage. The information below covers the types of situations that result in high rates and should give you a solid foundation to find cheaper car insurance.
The vehicle requiring insurance is one of the primary factors when quoting cheaper insurance after a speeding ticket. Vehicles with higher performance, a lack of advanced safety features, or high incidents of liability claims will cost substantially more to insure than more economical and safe models. The data below outlines insurance costs for some of the more affordable automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 XL Regular Cab 2WD | $1,477 |
| Ford Escape XLS 4WD | $1,577 |
| Honda CR-V EX 2WD | $1,659 |
| Toyota RAV4 Limited 4WD | $1,693 |
| Jeep Grand Cherokee Laredo 4WD | $1,701 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,724 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,736 |
| Dodge Grand Caravan CV | $1,763 |
| Toyota Corolla S | $1,786 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,817 |
| GMC Sierra SLT Extended Cab 2WD | $1,826 |
| Ford Focus SE 4-Dr Sedan | $1,831 |
| Toyota Prius | $1,842 |
| Toyota Tacoma 4WD | $1,854 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,865 |
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Data based on single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in zip code location which can alter coverage prices considerably.
Based upon the rates shown, you can figure that vehicles like the Ford F-150, Ford Escape, Honda CR-V, and Toyota RAV4 are going to be some of the cheaper vehicles to insure after a few driving violations.
One of the many considerations that aid in calculating the amount you pay each year for auto insurance is where your car is garaged. Areas with high crime rates or more dense population are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims have the enjoyment of a little cheaper coverage.
The illustration below lists the highest-priced places in Texas after a speeding ticket to purchase car insurance in. San Antonio is ranked at #14 with a yearly premium of $1,671 on average, which is about $139 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Houston | $1,909 |
| 3 | Brownsville | $1,908 |
| 4 | Dallas | $1,893 |
| 5 | Garland | $1,850 |
| 6 | Amarillo | $1,840 |
| 7 | Laredo | $1,833 |
| 8 | Grand Prairie | $1,793 |
| 9 | Irving | $1,772 |
| 10 | Beaumont | $1,772 |
| 11 | Mesquite | $1,771 |
| 12 | Pasadena | $1,740 |
| 13 | Arlington | $1,709 |
| 14 | San Antonio | $1,671 |
| 15 | Lubbock | $1,665 |
| 16 | Austin | $1,659 |
| 17 | Carrollton | $1,647 |
| 18 | Fort Worth | $1,621 |
| 19 | Plano | $1,608 |
| 20 | Corpus Christi | $1,588 |
| 21 | Waco | $1,584 |
| 22 | El Paso | $1,584 |
| 23 | McKinney | $1,577 |
| 24 | Abilene | $1,515 |
| 25 | Killeen | $1,488 |
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Rates are approximated as the specific San Antonio residence address can lower or raise premium rates significantly.
Shopping around for reasonably-priced auto insurance is not always easy, and determining which companies have the best insurance rates after a speeding ticket takes even more work.
Each company uses their own calculation to determine rates, so let’s begin by examining the overall cheapest insurance companies in Texas.
Cheapest Insurance Rates with Licence Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,282 |
| 5 | California Casualty | $1,396 |
| 6 | Esurance | $1,421 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,476 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,597 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,650 |
| 13 | Amica | $1,775 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,672 |
| Quote Your Rates Go | ||
Travelers normally has some of the best car insurance rates in San Antonio at around $1,052 annually. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also make the list of some of the more affordable San Antonio, TX insurance companies.
As shown above, if you currently have a policy with USAA and switched to Travelers, you may see savings of approximately $76. Drivers with Texas Farm Bureau might save as much as $147 a year, and Germania Mutual customers might reduce prices by as much as $230 a year.
Remember that these prices are averages across all ages of drivers and types of vehicles and and are not figured with an exact location after a speeding ticket. So the auto insurance company that can offer you the lowest price may not even be in the list above. That’s why you need to compare as many prices as possible using your own driver and vehicle profiles.
The diagram below highlights how deductible selection can change insurance costs when getting quotes for cheap insurance after a speeding ticket. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
As shown above, a 40-year-old driver could lower their policy premium by $362 a year by increasing from a $100 deductible to a $500 deductible, or save $546 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 category, could potentially save $900 or more just by choosing higher deductibles.
When raising deductibles, it will be necessary to have additional funds squirreled away to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Driving violations and accidents
The recommended way to receive the best insurance prices after a few driving violations is to be an attentive driver and avoid accidents and violations. The diagram below illustrates how traffic citations and at-fault claims increase yearly insurance costs for different age groups. The rates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
In the example above, the average cost of auto insurance in Texas per year with no violations or accidents is $2,490. Get written up for two speeding tickets and the average cost hikes up to $3,450, an increase of $960 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of insurance after a speeding ticket increases to an average of $6,890. That’s an increase of $4,400, or $367 per month, just for not being a responsible driver!
The benefit of shopping around
Texas insurance rates are impacted by many things that will increase or decrease the policy premium. Simply having another birthday, buying a home, or getting a ticket for running a stop sign can trigger changes in premium that may make certain companies cheaper than competitors.
Not only may your risk profile change, but companies change the rates they charge in Texas every year or even multiple times each year in order to offset underwriting gains or losses. Significantly higher losses can cause higher priced premiums, while a lower level of claims may result in lower-cost San Antonio car insurance rates.
To illustrate this point, the data below compares the cheapest car insurance in San Antonio, TX for a 40-year-old female driver with a clear driving record, no claims, and a good credit rating. When quoting prices based on her current situation, Travelers may offer the lowest car insurance rates in San Antonio at $1,146 each year. This is $758 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the list of the best San Antonio, TX auto insurance companies.
Now we will give the driver in the first chart a claim, a little lower credit rating, and a couple of points charged on her driving record. Since each auto insurance company uses a different method for setting prices, getting updated rate quotes may now result in a different ranking of companies as shown below.
Mercury now has the best car insurance rate in San Antonio with State Farm, Nationwide, Safe Auto, and USAA also being competitive. This illustrates why it is crucial to perform a complete rate comparison to get the best auto insurance rates after a speeding ticket. Car insurance prices consist of many different factors and change substantially, so the most economical company two years ago may now be quite expensive.
How to find economical insurance after a speeding ticket
Below you’ll find many money-saving suggestions that can help San Antonio drivers find lower-cost car insurance.
- Vehicles with good safety ratings are usually cheaper to insure
- Having at-fault accidents will increase rates
- Good credit can mean cheaper rates
- Buying car and homeowners insurance together can save money
- Do not pay for full coverage on older vehicles
- Compare price quotes at least once a year
That final tip is remarkably crucial, as was noted in this article. Coverage rates vary considerably, so don’t hesitate to buy a policy from a new company if a cheaper rate is available.
Staying with the same car insurance company is fine, but it’s not a great idea if that faithfulness ends up costing you hundreds every year. It only take a few minutes to compare prices and find cheaper auto insurance after a speeding ticket in San Antonio.