The vehicle you are seeking coverage for is one of the largest considerations when comparing economical coverage with multiple speeding tickets. Vehicles with high performance, poor safety ratings, or high incidents of liability claims will cost more to insure than more economical and safe models.
The data below outlines insurance premiums for a handful of the more affordable vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,205 |
| Ford Edge SE 2WD | $1,324 |
| Hyundai Elantra GLS Touring Station Wagon | $1,330 |
| Ford Explorer XLT 4WD | $1,351 |
| Honda CR-V EX 2WD | $1,399 |
| Ford Focus SE 4-Dr Sedan | $1,403 |
| Chevrolet Impala LS | $1,408 |
| Chevrolet Malibu LS | $1,430 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,443 |
| Chevrolet Silverado LT Extended Cab 2WD | $1,530 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,534 |
| Honda Civic DX 4-Dr Sedan | $1,545 |
| Toyota Prius | $1,557 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,561 |
| Chevrolet Equinox LT AWD | $1,574 |
| Toyota RAV4 4WD | $1,584 |
| Ford F-150 Lariat Super Cab 2WD | $1,605 |
| Dodge Grand Caravan SXT | $1,610 |
| Nissan Rogue SL AWD | $1,607 |
| Hyundai Sonata SE 4-Dr Sedan | $1,613 |
| Toyota Tacoma 2WD | $1,626 |
| Kia Optima EX | $1,634 |
| GMC Sierra SL Extended Cab 2WD | $1,659 |
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Data based on single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific Bakersfield, CA garaging location which can decrease or increase auto insurance rates significantly.
Looking at the numbers, we can assume that models like the Ford Escape, Ford Edge, Hyundai Elantra, Ford Explorer, and Honda CR-V will be a few of the less-costly vehicles to insure after a few driving violations.
After a few driving violations, one of the big things that are looked at to determine the annual cost of car insurance is your address. Regions with larger populations or more claims tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The information below lists the priciest cities in California with multiple speeding tickets in which to purchase auto insurance. Bakersfield comes in at #23 with an annual cost of $1,340 for car insurance, which is around $112 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Stockton | $1,603 |
| 8 | Long Beach | $1,578 |
| 9 | Riverside | $1,542 |
| 10 | Fontana | $1,535 |
| 11 | Santa Clarita | $1,533 |
| 12 | Modesto | $1,532 |
| 13 | Garden Grove | $1,508 |
| 14 | Moreno Valley | $1,506 |
| 15 | Santa Ana | $1,483 |
| 16 | Fresno | $1,457 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,395 |
| 19 | Irvine | $1,371 |
| 20 | San Diego | $1,368 |
| 21 | Fremont | $1,361 |
| 22 | Huntington Beach | $1,360 |
| 23 | Bakersfield | $1,340 |
| 24 | Chula Vista | $1,337 |
| 25 | Oxnard | $1,304 |
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Table data uses approximated as specific location information can raise or lower auto insurance rates considerably.
The diagram below demonstrates how choosing different deductibles can increase or decrease insurance premiums when trying to find cheap insurance with multiple speeding tickets. The rate quotes are based on a married female driver, comp and collision included, and no discounts are applied.
As shown above, a 50-year-old driver could lower their car insurance rates by $420 a year by changing from a $100 deductible up to a $500 deductible, or save $634 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could roll back prices $1,042 every year just by using higher deductibles.
When choosing a higher deductible, it will be necessary to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Picking the highest-rated auto insurance provider can be a challenge considering how many choices there are in California. The rank data shown next may help you analyze which auto insurers you want to consider when shopping around. The ratings below are only comprised of companies with a nationwide focus, so companies with more of a regional focus will not be included in the list.
Top 10 Major Auto Insurance Companies in Bakersfield Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Major Auto Insurance Companies in Bakersfield Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Rate increases following a ticket or accident
In a perfect world, the ideal way to score the cheapest auto insurance premiums in California after a few driving violations is to pay attention while driving and maintain a clean driving record. The example below demonstrates how citations and fender-benders can affect insurance rates for different age groups of insureds. The premium estimates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of a car insurance policy in California per year with a clean driving record and no accidents is $2,684. Get written up for one speeding ticket and the average cost increases to $3,084, an increase of $400 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of auto insurance with multiple speeding tickets jumps again to an average of $6,523. That’s an increase of $3,840, or $320 per month, just for not driving carefully!