The car, truck, or SUV you are insuring is one of the largest considerations when consumers are trying to find the cheapest car insurance with multiple speeding tickets. Vehicles with high performance, a lack of modern safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.
The next table illustrates auto insurance premiums for a selection of the most cost-effective vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra SE Touring Station Wagon||$2,856|
|Ford Escape XLT 2WD||$2,902|
|Honda CR-V LX 4WD||$2,911|
|Ford Edge SEL AWD||$3,053|
|Toyota RAV4 2WD||$3,112|
|Jeep Grand Cherokee Laredo 4WD||$3,122|
|Dodge Grand Caravan SE||$3,247|
|Ford Explorer XLT 2WD||$3,256|
|Toyota Corolla XLE||$3,281|
|Honda Odyssey EX-L W/Navigation||$3,291|
|Nissan Rogue SL 2WD||$3,336|
|Volkswagen Jetta SEL 4-Dr Sedan||$3,339|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$3,344|
|Nissan Altima 3.5 SR 4-Dr Sedan||$3,339|
|Ford F-150 Lariat Crew Cab Platinum 4WD||$3,401|
|GMC Sierra 3500HD SLT Extended Cab 2WD||$3,410|
|Toyota Camry LE||$3,432|
|Honda Civic GX 4-Dr Sedan||$3,450|
|Ford Focus SES 2-Dr Coupe||$3,506|
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Cost estimates assume single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Estimates do not factor in Tampa, FL location which can impact coverage rates noticeably.
Looking at the rates, makes and models like the Hyundai Elantra, Ford Escape, and Honda CR-V will be the most budget-friendly vehicles to insure after a few driving violations.
One of the more important components that help determine insurance cost is where you keep your car. Areas with high crime rates or more dense population tend to pay more, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.
The following table shows the highest-priced places in Florida with multiple speeding tickets in which to purchase auto insurance. Tampa makes the list at #6 with a yearly premium of $2,636 for the average insurance policy, which is approximately $220 each month.
|9||West Palm Beach||$2,599|
|20||Port St. Lucie||$1,916|
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Rate information is comparative as the vehicle garaging location can change coverage prices considerably.
Establishing which company quotes the lowest-priced car insurance rates with multiple speeding tickets takes a little more work than just comparing a company or two.
Every insurance provider uses different criteria to determine rates, so let’s examine the car insurance companies with the most affordable rates in Florida. It’s a good idea to be aware that Tampa, FL car insurance rates are impacted by many things which can substantially decrease or increase the cost of a policy. Simply having another birthday, increasing deductibles, or getting a few speeding tickets can produce rate changes that can cause some rates to be cheaper in comparison to the competition.
Best Cheap Insurance Rates with License Points
|Rank||Company||Cost Per Year|
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USAA has some of the most affordable car insurance rates in Tampa at around $977 per year. This is $1,471 less than the average premium paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Allied would also be considered some of the lowest-priced Tampa, FL insurance companies.
As shown in the rates above, if you are insured with Allied and switched to Amica, you might realize an annual savings of in the vicinity of $214. Customers with Mercury might save as much as $221 a year, and Travelers policyholders might lower prices by up to $233 a year.
Bear in mind that those rates are averaged across all drivers and vehicles in Florida and and are not calculated with a specific vehicle garaging location with multiple speeding tickets. So the insurer that fits your needs best may not even be in the top 21 companies shown above. That helps illustrate why you need to get quotes using your own personalized driver profile and vehicle information.
The diagram below shows how choosing a deductible can affect insurance rates when getting quotes for cheap insurance with multiple speeding tickets. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
In the chart above, a 30-year-old driver could lower their car insurance rates by $432 a year by switching from a $100 deductible to a $500 deductible, or save $650 by selecting a $1,000 deductible. Young drivers, like the 20-year-old, could save $1,320 each year just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it is a good idea to have enough spare savings to offset the extra out-of-pocket expense associated with higher deductibles.
Accidents and violations increase rates
A great way to find good car insurance premiums after a few driving violations is to be a careful driver and avoid accidents and traffic citations. The chart below illustrates how traffic citations and at-fault claims can raise insurance prices for different age groups. The costs are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
The chart shows that the average cost of a car insurance policy in Florida per year with no accidents or violations is $1,686. Get written up for one speeding ticket and the average cost increases to $1,962, an increase of $275 each year. Then add in one accident along with the one speeding ticket and the yearly cost of car insurance with multiple speeding tickets jumps again to an average of $2,736. That’s an increase of $1,050, or $87 per month, just for not keeping your driving record clean!
Ending up with the highest-rated car insurance company can be difficult considering how many companies there are in Tampa. The company information in the next section could help you analyze which auto insurance companies to look at when comparing rate quotes. These ratings only include the largest auto insurers in America, so companies that have a smaller presence are not taken into consideration for these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
If you have questions and prefer to have a consultation when comparing insurance rates after a few driving violations, the insurance agencies below are a good start to provide answers to your questions and help you determine which insurance coverage will be best for you.
To find an auto insurance agency closest to you, click the link after the list or click here to compare prices now.
- Robin Simmons – State Farm Insurance Agent
2425 S Dale Mabry Hwy a – Tampa, FL 33629 – (813) 258-2828
- Mesa Insurance Agent
Tampa, FL 33603 – Tampa, FL 33603 – (813) 442-4179
- Carron Insurance Agency, Inc
1010 W Cass St – Tampa, FL 33606 – (813) 926-0512
- Herma White – State Farm Insurance Agent
14940 N Florida Ave – Tampa, FL 33613 – (813) 961-6661
- Most Insurance Agency
3410 Henderson Blvd – Tampa, FL 33609 – (813) 347-5555