Who Has Affordable Auto Insurance with Multiple Speeding Tickets in Oakland?

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.

How much does car insurance cost in Oakland, CA?
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.

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Rankings for the cheapest California auto insurance companies
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.

Cheapest Vehicles to Insure in Oakland, CA
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.

Best Car Insurance Companies with Multiple Speeding Tickets in Oakland
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.

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 DrOakland, CA 94611(510) 336-3490

Fiesta Auto Insurance Center
4102 International BlvdOakland, CA 94601(510) 261-1300

Fernando Valenzuela – State Farm Insurance
1236 30th AveOakland, CA 94601(510) 533-9712

Farmers Insurance – Jimmie Oliver
1800 55th AveOakland, CA 94621(510) 517-7663

View map of Oakland, CA insurance agents