Who Has Affordable Riverside Car Insurance After a Speeding Ticket?

After a few driving violations, one of the largest things that determine the cost of insurance is where you normally keep your vehicle. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.

The following table lists the priciest cities in California after a speeding ticket in which to buy car insurance. Riverside ranks #13 with an annual cost of $1,497 for the average policyholder, which is about $125 monthly.

How much is car insurance in Riverside?
Rank City Average Per Year
1 Los Angeles $2,168
2 Glendale $2,121
3 Sacramento $1,720
4 San Francisco $1,711
5 Oakland $1,687
6 Long Beach $1,610
7 San Bernardino $1,580
8 Garden Grove $1,570
9 Stockton $1,556
10 Fontana $1,535
11 Santa Clarita $1,533
12 Moreno Valley $1,506
13 Riverside $1,497
14 Modesto $1,487
15 Fresno $1,457
16 Santa Ana $1,453
17 Anaheim $1,444
18 Huntington Beach $1,416
19 San Jose $1,395
20 Bakersfield $1,394
21 Fremont $1,389
22 San Diego $1,381
23 Chula Vista $1,350
24 Irvine $1,330
25 Oxnard $1,318
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Price information shown is approximated as the specific garaging location can change price quotes substantially.

Determining which insurers offer the cheapest auto insurance rates after a speeding ticket may require a tad more effort in order to find the lowest price.

Each auto insurance company uses a different method to establish rates, so to begin we’ll rank the lowest cost auto insurance companies in Riverside, CA.

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,155
2 Century National $1,178
3 Wawanesa $1,181
4 CSAA $1,186
5 Nationwide $1,213
6 21st Century $1,325
7 Grange $1,433
8 Allstate $1,513
9 Progressive $1,542
10 Mercury $1,548
11 GEICO $1,559
12 Allied $1,588
13 MetLife $1,638
14 The Hartford $1,639
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,750
18 Bristol West $1,795
19 Travelers $1,842
20 Farmers $2,006
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USAA may have some of the lowest car insurance rates in Riverside at around $1,155 annually. Century National, Wawanesa, CSAA, and Nationwide would also be considered some of the cheapest Riverside, CA auto insurance companies.

As shown in the table above, if you are currently insured with Wawanesa and switched to USAA, you might realize yearly savings of approximately $26. Drivers with CSAA might save as much as $31 a year, and Nationwide policyholders might realize rate reductions of up to $58 a year.

If you want to find out if you’re overpaying, click here to start your custom quote or visit any of the companies below.

Be aware that those estimates are averages for all drivers and vehicles and and are not figured with a specific zip code after a speeding ticket. So the insurer that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That emphasizes why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Cost of full coverage

Reducing premiums for auto insurance is the goal of most people, and one great way to save on the cost of insurance after a speeding ticket is to buy liability only. The information below shows the comparison of car insurance costs with liability coverage only compared to full coverage. The premiums are based on no violations or accidents, $1,000 deductibles, single status, and no policy discounts are applied.

If we average the cost for all age groups, comprehensive and collision coverage on your policy costs $1,849 per year over liability only. Many of you may wonder when is it safe to stop buying full coverage. There is no specific rule of when to exclude full coverage, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s say your vehicle’s claim settlement value is $8,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $7,500 after you pay the deductible. If it’s costing you more than $750 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping physical damage coverage is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should maintain full coverage.

Buying coverage from the right insurance company can be difficult considering how many companies there are in Riverside. The company rank data below can help you decide which car insurance providers you want to consider when shopping insurance around after a speeding ticket.

The ratings below are for large nationwide companies, so companies that may only write in California are not included in this list. If you wish to compare prices from these top insurers and more, simply click here.

Top 10 Major Car Insurance Companies in Riverside Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Major Car Insurance Companies Overall in Riverside

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

The example below shows how different deductible levels can impact insurance premiums when researching cheap insurance after a speeding ticket. The price estimates are based on a married male driver, comp and collision included, and no additional discounts are factored in.

A 30-year-old driver could pocket $342 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $516 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, can save up to $1,026 or even more by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it will be required to have enough savings to be able to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

The agencies below can most likely aid you in deciding which car insurance company is the best fit, as some drivers aren’t sure which coverage they need and prefer to have the advice of a professional agent when comparing insurance rates after a speeding ticket. It can be hard to find the cheapest rate yourself, so a licensed agent can provide comfort knowing your policy gives you suitable coverage if you have an accident.

To find an auto insurance agency by location nearest to you, click the link at the bottom.

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How to find cheaper car insurance after a speeding ticket

The list below details a few money-saving solutions that can help you get lower-cost coverage.

The last tip in the list is notably valuable, as we stressed in the prior information. Car insurance prices in Riverside can change in a short period of time, so don’t be unwilling to switch carriers if you find a cheaper price. Many drivers prefer to stick with one company, but it’s not a great idea if your bullheadedness ends up costing you big bucks every year. Take a couple minutes and compare rates and find cheaper auto insurance after a speeding ticket.