How Much are Car Insurance Quotes After a Speeding Ticket in Oakland?

The words “economical” and “auto insurance” probably shouldn’t be used in the same sentence, especially when looking for the cheapest auto insurance after a speeding ticket. Because it’s so expensive, let’s learn about some things that have an impact on insurance prices, and figure out some ways to take the sting out of the next policy you buy.

The type of vehicle needing coverage is one of the biggest factors that determines whether or not you find cheaper coverage after a speeding ticket. Vehicles with higher performance, a lack of modern safety features, or a high likelihood of having liability claims will cost more to insure than more economical and safe models.

The next table illustrates insurance rates for some of the most budget-friendly vehicles to insure in California.

Cheapest Vehicles to Insure in Oakland, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,803
Volkswagen Jetta S 2.5 Station Wagon $1,963
Honda Accord EX-L 4-Dr Sedan $1,972
Ford Escape XLS 4WD $1,965
Honda Odyssey LX $2,107
Chevrolet Malibu LS $2,135
Toyota RAV4 2WD $2,141
Dodge Grand Caravan Hero $2,135
Toyota Prius $2,143
Dodge Ram Quad Cab ST 2WD $2,166
Ford Explorer Eddie Bauer AWD $2,176
Jeep Wrangler Rubicon 4WD 2-Dr $2,209
Toyota Corolla S $2,254
Hyundai Elantra GLS 4-Dr Sedan $2,261
Chevrolet Impala LS $2,277
Nissan Altima 3.5 SR 4-Dr Sedan $2,295
Jeep Grand Cherokee Limited 2WD $2,305
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $2,325
Honda Civic LX-S 4-Dr Sedan $2,366
Ford Edge Sport 2WD $2,409
Kia Optima EX $2,444
Toyota Camry XLE $2,452
Toyota Camry Hybrid $2,444
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Data rating is based on single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, and homeowner. Rates do not factor in specific location which can influence premium rates noticeably.

Looking at the numbers, you can figure that models like the Honda CR-V, Volkswagen Jetta, and Honda Accord are a few of the most economical vehicles to insure after a few driving violations.

Finding good, low-priced auto insurance is not the easiest thing to do, and figuring out which companies have the most affordable car insurance rates after a speeding ticket takes even more shopping around. Every insurance company uses different criteria for determining rates, so we’ll take a look at the lowest cost car insurance companies in Oakland.

Cheap Insurance Rates with Licence Points

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,109
2 Century National $1,190
3 Wawanesa $1,192
4 CSAA $1,198
5 Nationwide $1,226
6 21st Century $1,325
7 Grange $1,491
8 Mercury $1,503
9 GEICO $1,529
10 Progressive $1,542
11 Allstate $1,543
12 Allied $1,556
13 The Hartford $1,623
14 MetLife $1,638
15 Unitrin $1,699
16 Esurance $1,705
17 State Farm $1,750
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $2,006
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USAA may have some of the most affordable car insurance rates in Oakland at around $1,109 annually. This is $542 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide would also be considered some of the cheapest Oakland, CA car insurance companies.

In the above example, if you are currently insured with Century National and switched to USAA, you may see annual savings of in the vicinity of $81. Insureds with Wawanesa might save as much as $83 a year, and CSAA insureds might reduce prices by as much as $89 a year.

Bear in mind that those premium estimates are averages across all drivers and vehicles in California and do not factor in an exact location after a speeding ticket. So the company that has the lowest price for you may not even be in the top 24 companies shown above. That underscores the importance of why you need to compare prices as often as possible using your own individual information.

One of the many criteria that are looked at to help calculate car insurance rates is where you call home in Oakland. Regions with more people or even just more weather-related claims are more likely to have higher rates, whereas areas that tend to be more rural benefit from lower prices.

The next table lists the most expensive places in California after a speeding ticket to purchase a policy in. Oakland comes in at #4 costing $1,687 for the average insurance policy, which is approximately $141 per month.

How much is car insurance in Oakland?
Rank City Annual Premium
1 Los Angeles $2,104
2 Glendale $2,058
3 San Francisco $1,763
4 Oakland $1,687
5 Sacramento $1,669
6 Long Beach $1,610
7 Stockton $1,588
8 San Bernardino $1,580
9 Fontana $1,566
10 Riverside $1,542
11 Santa Clarita $1,533
12 Fresno $1,517
13 Garden Grove $1,508
14 Moreno Valley $1,506
15 Modesto $1,502
16 Santa Ana $1,483
17 Anaheim $1,474
18 San Jose $1,437
19 Fremont $1,389
20 Huntington Beach $1,374
21 Irvine $1,371
22 Bakersfield $1,340
23 San Diego $1,340
24 Oxnard $1,318
25 Chula Vista $1,311
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Price information shown is approximated as specific Oakland zip code can affect coverage rates noticeably.

Full coverage rates compared to liability-only

Paying less for car insurance is the goal of most vehicle owners, and an effective way to find cheap insurance after a speeding ticket is to not insure for full coverage. The diagram below visualizes the comparison of auto insurance costs when comparing full coverage to liability only. The rates are based on no claims or driving violations, $500 deductibles, single marital status, and no discounts are taken into consideration.

On average, comprehensive and collision coverage on your policy costs an additional $2,075 per year more than carrying just liability coverage. Many drivers will wonder if full coverage is worth the money. There is no set guideline for phasing out physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s say your vehicle’s settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after you pay the deductible. If you are paying over $300 a year for full coverage, then you might consider buying liability only.

The diagram below demonstrates how choosing different deductibles can change yearly insurance costs when trying to find cheap insurance after a speeding ticket. The data assumes a married female driver, comp and collision included, and no discounts are taken into consideration.

In the chart above, a 50-year-old driver could cut expenses by $300 a year by switching from a $100 deductible up to a $500 deductible, or save $456 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 category, could potentially save up to $750 or more by selecting a higher deductible.

If you make the decision to raise deductibles, it is necessary to have enough spare savings to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Get discount Oakland auto insurance

Discounts on car insurance after a speeding ticketInsurance providers that provide policies after a speeding ticket may additionally offer policy discounts that could reduce prices by as much as 35% or more if you are eligible to receive them. Companies and some of their more popular discounts include:

The chart below illustrates the difference between auto insurance rates with and without discounts applied to the policy premium. The premiums are based on a female driver, three citations and no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, homeowner, anti-theft, marriage, paid-in-full, and passive restraint discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance after a speeding ticket is 28% or $1,152.