What Auto Insurance is Cheapest with Multiple Speeding Tickets in Riverside?

After a few driving violations, one of the big components that help determine the amount you pay each year for auto insurance is where you live in Riverside. Cities with larger populations or higher claim trends will most likely pay more, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.

The next table rates the highest-priced places in California with multiple speeding tickets to purchase auto insurance in. Riverside makes the list at #13 having an annual price of $1,497 for the average insurance policy, which is approximately $125 each month.

Car insurance prices in Riverside
Rank City Annual Premium
1 Los Angeles $2,168
2 Glendale $2,079
3 Oakland $1,755
4 San Francisco $1,693
5 Sacramento $1,652
6 Stockton $1,603
7 San Bernardino $1,580
8 Garden Grove $1,570
9 Fontana $1,566
10 Long Beach $1,562
11 Santa Clarita $1,548
12 Modesto $1,532
13 Riverside $1,497
14 Moreno Valley $1,491
15 Anaheim $1,488
16 Santa Ana $1,483
17 Fresno $1,457
18 Bakersfield $1,394
19 San Jose $1,381
20 Fremont $1,361
21 Huntington Beach $1,360
22 Chula Vista $1,350
23 Oxnard $1,344
24 San Diego $1,340
25 Irvine $1,330
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Premium costs are comparative as specific Riverside zip code can decrease or increase price quotes substantially.

Deciding which companies have the cheapest insurance rates with multiple speeding tickets takes a bit more work in order to find the best price.

Each insurance company has a proprietary method for filing rates in each state, so we will examine the most affordable insurance companies in Riverside. It’s important to know that Riverside, CA insurance rates are impacted by many factors which can substantially change the price you have to pay. Simply having another birthday, buying a different vehicle, or getting a DUI can produce rate changes that may make certain companies cheaper than others.

Find the Cheapest Auto Insurance with License Points

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,146
3 CSAA $1,186
4 Nationwide $1,213
5 Century National $1,226
6 21st Century $1,366
7 Grange $1,433
8 Progressive $1,496
9 Mercury $1,503
10 GEICO $1,559
11 Allstate $1,559
12 The Hartford $1,591
13 Allied $1,603
14 MetLife $1,606
15 Esurance $1,705
16 Unitrin $1,733
17 State Farm $1,733
18 Bristol West $1,795
19 Travelers $1,860
20 Farmers $1,966
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USAA quotes some of the most affordable car insurance rates in Riverside at around $1,121 a year. This is $530 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also some of the more affordable Riverside, CA insurance companies.

As shown in the rates above, if you currently have coverage with CSAA and switched to USAA, you might achieve a yearly price reduction of around $65. Drivers with Nationwide could save as much as $92 a year, and Century National customers might realize rate reductions of up to $105 a year.

To discover how much you can save, click here to get quotes or click several companies below for low rates.

These rates are averages across all drivers and vehicles and are not factoring in an exact vehicle garaging location with multiple speeding tickets. So the company that is best suited for you may not even be in the list above. That affirms the importance of why you need to compare prices as often as possible using your own personal information and vehicle type.

Get discount Riverside auto insurance

Save on insurance after a few driving violations in RiversideCar insurance companies that sell policies with multiple speeding tickets may also give you policy discounts that can lower rates by 35% or more if you qualify. Popular insurance companies and some of their more popular discounts are included below.

The illustration below illustrates the comparison of auto insurance rates with and without some available policy discounts. The costs 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 average annual price with no discounts. The second bar shows the rates with paperless filing, anti-theft, passive restraint, marriage, vehicle safety, and continuous coverage discounts applied. When discounts are applied, theamount saved on insurance with multiple speeding tickets is 28% or $1,029.

The example below illustrates how choosing a deductible can increase or decrease insurance rates when getting quotes for cheap insurance with multiple speeding tickets. The information is based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

A 30-year-old driver could lower their policy premium by $400 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $604 by switching to a $1,000 deductible. Even younger drivers, like the age 20 example, have the ability to save up to $888 each year by using a higher deductible. If you do raise deductibles, it is important to have plenty of savings on hand to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Full coverage rates compared to liability only

Saving money when shopping for insurance is the goal of most vehicle owners, and an easy way to find cheaper insurance with multiple speeding tickets is to not buy comprehensive and collision coverage. The diagram below compares insurance prices with full physical damage coverage compared to only buying liability only. The costs are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

If we average the cost for all age groups, comprehensive and collision coverage on your policy costs an additional $2,314 per year more than buying just liability insurance. At some point, every insured wonders if you should buy full coverage at all. There isn’t a steadfast formula to eliminate comp and collision coverage, but there is a general school of thought. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your vehicle’s book value is $10,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $9,500 after the deductible is paid. If you are currently paying more than $950 annually for full coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not buy liability only.