This would be a quick read if we could just give you the name of the company that has the best deal on coverage in California. It’s not that easy, however, as there are a whole slew of unknowns such as whether you just need liability insurance, if you are a good driver, whether you are married or single, and what level of deductibles you wish to have. We will try to teach you about the different ways to avoid overpaying and will hopefully give you a good beginning to your quest for cheaper car insurance.
Finding reliable, low-cost auto insurance is tough enough, and determining which insurers offer the most affordable insurance rates with multiple speeding tickets requires additional perseverance.
Every insurance company has a different formula for determining rates, so we’ll take a look at the lowest cost insurance companies in California.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,181 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | Allied | $1,556 |
| 11 | GEICO | $1,559 |
| 12 | Allstate | $1,559 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
| Compare Rates Now Go | ||
USAA may offer some of the lowest car insurance rates in Irvine at around $1,109 per year. This is $542 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA also are some of the cheapest Irvine, CA insurance companies.
As shown above, if you currently have coverage with Wawanesa and switched to USAA, you might achieve savings of about $72. Customers with Nationwide may save as much as $104 a year, and Century National customers might lower prices by $105 a year.
To find out how much you can save, click here or quote rates from the companies below.
It’s important to note that these premium estimates are averages for all drivers and vehicles in California and do not factor in a specific zip code with multiple speeding tickets. So the car insurance company that can offer you the best price may not even be in the list above. That underscores the importance of why you need to get car insurance quotes using your own personal information and vehicle type.
After a few driving violations, one of the more important criteria that are used to help calculate insurance cost is where you normally keep your vehicle. Areas with more people or even just a higher incidence of claims will most likely have higher rates, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The illustration below sorts the most expensive places in California with multiple speeding tickets to purchase auto insurance in. Irvine ranks #22 with a yearly premium of $1,343 for the average insurance policy, which is approximately $112 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,580 |
| 7 | Long Beach | $1,578 |
| 8 | Stockton | $1,556 |
| 9 | Moreno Valley | $1,551 |
| 10 | Santa Clarita | $1,533 |
| 11 | Garden Grove | $1,524 |
| 12 | Fontana | $1,519 |
| 13 | Modesto | $1,502 |
| 14 | Riverside | $1,482 |
| 15 | Fresno | $1,472 |
| 16 | Anaheim | $1,444 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,395 |
| 19 | Fremont | $1,389 |
| 20 | Huntington Beach | $1,360 |
| Compare Prices Now Go | ||
Prices are approximated as the garaging address in Irvine can influence coverage prices substantially.
Discounts on Irvine insurance rates
Insurance providers that provide policies with multiple speeding tickets may additionally offer discounts that can reduce rates by as much as 25% or more if you meet certain criteria. A list of companies and the discounts they provide can be found below.
- State Farm has savings for Steer Clear safe driver discount, defensive driving training, driver’s education, accident-free, passive restraint, good driver, and multiple policy.
- Progressive policyholders can earn discounts including good student, continuous coverage, homeowner, multi-policy, multi-vehicle, and online signing.
- Progressive may offer discounts for continuous coverage, homeowner, multi-policy, good student, online quote discount, online signing, and multi-vehicle.
- MetLife may include discounts for good student, defensive driver, good driver, accident-free, multi-policy, claim-free
- Farm Bureau discounts include 55 and retired, multi-vehicle, safe driver, youthful driver, renewal discount, and good student.
- GEICO includes discounts for seat belt use, anti-theft, emergency military deployment, good student, defensive driver, multi-policy, and federal employee.
- SAFECO offers premium reductions for homeowner, bundle discounts, anti-lock brakes, safe driver, teen safety rewards, anti-theft, and teen safe driver.
The example below illustrates the comparison of insurance costs with and without policy discounts. The premiums assume a female driver, three speeding tickets and no accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, marriage, paperless filing, multiple vehicle, anti-theft, and multiple policy discounts applied. When taking advantage of discounts, the average amount saved each year on insurance with multiple speeding tickets is 28% or $939.
Accidents and violations increase rates
A great way to receive good insurance prices in California after a few driving violations is to drive carefully and avoid traffic citations and accidents. The chart below highlights how traffic violations and accident claims influence yearly insurance costs for different age groups. The price estimates are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.
In the example above, the average cost of an auto insurance policy in California per year with no accidents and a clean driving record is $2,501. Get written up for two speeding tickets and the average cost surges to $3,297, an increase of $796 each year. Then add one accident along with the two speeding tickets and the annual cost of insurance with multiple speeding tickets goes up to an average of $4,112. That’s an increase of $1,611, or $134 per month, just for not being attentive to the road!
Insuring your vehicle with the right auto insurance provider can be rather challenging considering how many different insurance companies sell coverage in California. The company ratings in the next section could help you decide which providers you want to consider buying from. These ratings are for the largest companies in America, so companies without a large exposure are not taken into consideration for the list.
Top 10 Major Auto Insurance Providers in Irvine 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%
Top 10 Major Auto Insurance Providers in Irvine 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+
The agents listed below can help you determine which coverages and limits you need, as lots of people like to have some advice when shopping around for cheaper insurance with multiple speeding tickets. It can be challenging to find coverage yourself, and a professional agent can bring satisfaction knowing your coverage gives you adequate asset protection.
To find an agent close to where you live, click the link at the bottom.
- Ray Vermeulen – State Farm Insurance Agent
2151 Michelson Dr #242 – Irvine, CA 92612 – (949) 752-6335 - Mike Stitt – State Farm Insurance Agent
17452 Irvine Blvd #208 – Tustin, CA 92780 – (714) 544-4717 - Morning Star Agency Insurance Services Incorporated
1340 Reynolds Ave #103 – Irvine, CA 92614 – (949) 833-2030 - Sentry Insurance – Irvine
16815 Von Karman Ave #200 – Irvine, CA 92606 – (949) 930-6100 - Isu Insurance Services Irvine
18022 Cowan Ste 225 – Irvine, CA 92614 – (949) 419-2100