After a few driving violations, one of the largest considerations that help determine the annual cost of car insurance is where your residence is in Oakland. Areas with increased crime or more people are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The table below rates the highest-priced places in California with multiple speeding tickets to purchase a policy in. Oakland ranks #3 with an annual cost of $1,738 on average, which is around $145 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,058 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Santa Clarita | $1,595 |
| 8 | Stockton | $1,588 |
| 9 | Long Beach | $1,578 |
| 10 | Moreno Valley | $1,536 |
| 11 | Fontana | $1,535 |
| 12 | Fresno | $1,517 |
| 13 | Garden Grove | $1,508 |
| 14 | Santa Ana | $1,497 |
| 15 | Riverside | $1,497 |
| 16 | Anaheim | $1,488 |
| 17 | Modesto | $1,487 |
| 18 | San Jose | $1,395 |
| 19 | Irvine | $1,371 |
| 20 | Fremont | $1,361 |
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Premium costs are estimated as the specific garaging location can affect auto insurance rates greatly.
Comparing rates for low-cost insurance is tough enough, and finding out which companies have the most affordable car insurance rates with multiple speeding tickets requires even more shopping around.
Every insurance company has a proprietary formula to set their prices, so we need to take a look at the most budget-friendly car insurance companies in Oakland, CA. It’s a good idea to know that Oakland car insurance rates are determined by lots of factors that can increase the cost of coverage. Simply improving your credit, buying a safer car, or getting a ticket for running a stop sign can trigger rate changes that can make some companies cheaper than competitors.
Find Cheaper Car Insurance with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,214 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | GEICO | $1,513 |
| 9 | Mercury | $1,533 |
| 10 | Progressive | $1,542 |
| 11 | Allstate | $1,543 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,966 |
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USAA has some of the most affordable car insurance rates in Oakland at around $1,155 each year. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the more affordable Oakland, CA auto insurance companies.
As the example above demonstrates, if you currently buy coverage from Wawanesa and switched to USAA, you might achieve annual savings of about $26. California drivers with CSAA could save as much as $31 a year, and Century National insureds might reduce rates by $59 a year.
It’s important to note that these rates are averaged for all ages of drivers and types of vehicles and do not take into consideration an exact location with multiple speeding tickets. So the auto insurance company that fits your situation best may not even be in the list above. That is why you need to get quotes using your own driver information and specific vehicle type.
The vehicle model you are seeking coverage for is probably the most important factor that determines if you can find the cheapest car insurance with multiple speeding tickets. Vehicles with economical engines, excellent safety ratings, or a positive history of liability claims will cost quite a bit less to insure than high performance models.
The table below showcases coverage premiums for a number of the cheapest automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,825 |
| Ford Escape XLS 4WD | $1,905 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,943 |
| Honda Accord EX 4-Dr Sedan | $1,948 |
| Ford F-150 XLT Super Cab 2WD | $1,996 |
| Chevrolet Impala LS | $2,077 |
| Ford Focus SE 4-Dr Sedan | $2,084 |
| Chevrolet Equinox LT 2WD | $2,115 |
| Dodge Grand Caravan Hero | $2,123 |
| Toyota Prius | $2,120 |
| Ford Explorer Eddie Bauer 2WD | $2,188 |
| Ford Edge SEL 2WD | $2,211 |
| Toyota Camry XLE | $2,231 |
| Toyota RAV4 Limited 2WD | $2,256 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $2,299 |
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Data variables include single male 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, multi-vehicle, and homeowner. Estimates do not factor in vehicle garaging location which can modify prices significantly.
Based upon the rates shown, we can presume that makes and models like the Honda CR-V, Ford Escape, Volkswagen Jetta, and Honda Accord are going to be a few of the less-costly vehicles to insure after a few driving violations.
Full coverage versus liability only rates
Reducing the cost of car insurance is important to the majority of drivers, and an effective way to find cheaper insurance with multiple speeding tickets is to not insure for full coverage. The illustration below visualizes the comparison of insurance rates with full physical damage coverage and with liability coverage only. The rates are based on no claims or violations, $1,000 deductibles, drivers are not married, and no discounts are factored in.
As an overall average, full coverage on your policy costs an additional $1,849 per year over having just liability coverage. Many drivers will wonder if full coverage is worth the money. There isn’t a steadfast formula to stop paying for physical damage coverage, but there is a general convention. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
Selecting the top auto insurance company can be difficult considering how many choices there are in California. The ranking data below can help you pick which auto insurance companies to look at when trying find the best insurance with multiple speeding tickets.
The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not included in these rankings. To check rates from many more California auto insurance companies, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Your cheap policy may actually be overpriced
Oakland, CA car insurance rates are calculated based on many things which can substantially decrease or increase your annual premium. Improving your credit rating, having a claim, or getting a ticket for running a stop sign may cause policy rate changes resulting in some companies being much cheaper than others.
Not only may things change on your end, but insurers change the rates they charge in California as needed to adjust for unexpected claims or profits. Heavier than normal losses can cause rate hikes, while profitable underwriting can produce more affordable Oakland car insurance rates.
For example, the bar chart below shows the cheapest car insurance in Oakland, CA for a 30-year-old male driver with no violations or accidents, and a decent credit rating. When comparing rates based on his current rating profile, USAA might quote the most affordable car insurance rates in Oakland at $1,414 a year. This is $237 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the rest of the top five cheapest Oakland, CA auto insurance companies.
Now we will pretend the driver from the first example a claim, a lower credit score, and a couple of points charged on his driving record. Due to the fact that every insurance company uses a different method for determining rates in each state, analyzing rate quotes may result in a substantially altered list of the cheapest companies as shown below.
Grange now has the cheapest rate in Oakland, CA with Mercury, Allstate, Allied, and Progressive also being competitive. This illustrates why it is critical to take the time to shop around when trying to get affordable car insurance rates with multiple speeding tickets.
Insurance rates are made up of many different factors and can decrease or increase without notice, so the most economical company a year ago may now be one of the more expensive options.
How to find the cheapest auto insurance with multiple speeding tickets
Lowering your rates is not difficult, and here are some of the recommended penny-pinching ideas that can help Oakland drivers buy cheaper auto insurance.
- Good credit can mean cheaper rates
- Choose a safer vehicle and pay lower rates
- At-fault accidents can raise rates significantly
- Be a safe driver
- Try paying for small claims out-of-pocket
- Shop around for lower rates once a year
The last suggestion is particularly vital, as we noted in this article. Insurance prices can be modified anytime, so don’t be afraid to buy a policy from a new company if you can find a cheaper rate.
Sticking with a specific company is fine, but it isn’t a good idea if that devotion results in you overpaying money that could be spent on other things. In just a few minutes you could shop around and find cheaper car insurance with multiple speeding tickets in Oakland.
If you have coverage questions and would like to have some professional guidance when shopping for cheaper insurance with multiple speeding tickets, the agents shown below are a good start to help you decide which coverages and limits you need.
To locate an agency nearest to you, click the button at the bottom of the list.
JCB Insurance Services
6427 Westover Dr – Oakland, CA 94611 – (510) 336-3490
Fiesta Auto Insurance Center
4102 International Blvd – Oakland, CA 94601 – (510) 261-1300
Fernando Valenzuela – State Farm Insurance
1236 30th Ave – Oakland, CA 94601 – (510) 533-9712
Farmers Insurance – Jimmie Oliver
1800 55th Ave – Oakland, CA 94621 – (510) 517-7663