The type of vehicle driven is one of the largest considerations when trying to find cheap coverage after a speeding ticket. Vehicles with more horsepower, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than more modest models.
The table below presents auto insurance premiums for a selection of the most budget-friendly vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,289 |
| Toyota Prius | $1,402 |
| Ford Explorer XLT 2WD | $1,413 |
| Ford Escape XLT 2WD | $1,466 |
| Honda Civic DX 4-Dr Sedan | $1,468 |
| Chevrolet Malibu LT | $1,526 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,532 |
| Ford F-150 XLT Crew Cab 2WD | $1,562 |
| Toyota Camry XLE | $1,577 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,607 |
| Ford Focus S 4-Dr Sedan | $1,622 |
| Honda Odyssey EX W/Rear Entertainment | $1,629 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,635 |
| Dodge Grand Caravan SE | $1,641 |
| Toyota Camry Hybrid | $1,714 |
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Prices above based on single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, and homeowner. Price information does not factor in vehicle garaging location which can modify rates substantially.
Looking at the numbers, vehicles like the Honda CR-V, Toyota Prius, Ford Explorer, Ford Escape, and Honda Civic are most likely to be some of the cheapest vehicles to insure after a few driving violations.
One of the many things that aid in calculating the amount you pay each year for auto insurance is the neighborhood you call home. Larger areas tend to pay slightly more, whereas more rural areas benefit from having to pay less for coverage.
The table below sorts the highest-priced places in Texas after a speeding ticket to purchase car insurance in. Corpus Christi is ranked #19 with an annual rate of $1,620 for the average policyholder, which is about $135 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Houston | $1,909 |
| 3 | Laredo | $1,889 |
| 4 | Brownsville | $1,851 |
| 5 | Dallas | $1,837 |
| 6 | Amarillo | $1,786 |
| 7 | Garland | $1,778 |
| 8 | Mesquite | $1,771 |
| 9 | Pasadena | $1,740 |
| 10 | Grand Prairie | $1,740 |
| 11 | San Antonio | $1,722 |
| 12 | Irving | $1,719 |
| 13 | Lubbock | $1,716 |
| 14 | Beaumont | $1,702 |
| 15 | Carrollton | $1,664 |
| 16 | Arlington | $1,658 |
| 17 | Austin | $1,627 |
| 18 | McKinney | $1,625 |
| 19 | Corpus Christi | $1,620 |
| 20 | El Paso | $1,616 |
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Rate quotes are comparative as the specific geographic location can raise or lower coverage rates considerably.
Finding budget car insurance is not the easiest thing to accomplish, and deciding which companies quote the cheapest insurance rates after a speeding ticket will involve even more rate comparisons. Every car insurance company uses a little different formula for determining prices, so to begin we’ll rank the insurance companies with the overall cheapest rates in Corpus Christi.
Find Cheaper Auto Insurance with Licence Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,438 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,510 |
| 9 | Nationwide | $1,600 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,705 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,092 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,646 |
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Travelers may have some of the lowest car insurance rates in Corpus Christi at around $1,052 each year. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the best Corpus Christi, TX car insurance companies.
In the above example, if you are a customer of Germania Mutual and switched to USAA, you might achieve savings of upwards of $116. Insureds with Esurance could save as much as $293 a year, and California Casualty policyholders might lower prices by $310 a year.
These estimates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration an exact location after a speeding ticket. So the auto insurance company that can offer the best rates for your situation may not even be in the top 23 companies shown above. That emphasizes why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
The information below illustrates how your choice of deductibles can raise or lower insurance rates when researching cheap insurance after a speeding ticket. The price estimates are based on a single male driver, comp and collision included, and no policy discounts are applied.
In the chart above, a 50-year-old driver could cut expenses by $440 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $660 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could shave $1,446 every year by choosing a larger deductible amount. When increasing deductibles, it is a good idea to have enough savings to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Liability rates compared to full coverage
Saving on insurance is important to the majority of drivers, and one great way to pay lower rates for insurance after a speeding ticket is to not pay for full coverage. The chart below compares insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The data is based on no violations or claims, $500 deductibles, single status, and no discounts are applied.
If all age groups are averaged, full coverage on your policy costs an extra $2,393 per year over and above liability coverage. At some point, about every driver wonders if buying full coverage is worth the expense. There is no definitive rule to eliminate full coverage, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your vehicle’s claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after you pay the deductible. If you are paying more than $500 annually for physical damage coverage, then it might be time to buy liability only.
Discount Corpus Christi auto insurance
Auto insurance companies that offer quotes after a speeding ticket could also offer policy discounts that could reduce prices by as much as 30% if you meet certain criteria. A list of insurance companies and the discounts they provide include:
- Mercury Insurance discounts include low natural disaster claims, ease of repair, accident-free, good driver, good student, type of vehicle, and age of vehicle.
- Farmers Insurance has savings for pay in full, youthful driver, business and professional, teen driver, and good student.
- Farm Bureau has discounts for safe driver, driver training, 55 and retired, youthful driver, good student, and renewal discount.
- State Farm may have discounts that include driver’s education, defensive driving training, Steer Clear safe driver discount, good driver, passive restraint, and student away at school.
- Allstate offers premium reductions for senior citizen, premier plus, passive restraint, utility vehicle, and farm vehicle.
- GEICO may offer discounts for defensive driver, anti-lock brakes, membership and employees, federal employee, seat belt use, air bags, and military active duty.
The diagram below illustrates the comparison of auto insurance rates with and without discounts applied to the policy rates. The costs are based on a male driver, no at-fault accidents and two violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with paid-in-full, marriage, anti-theft, homeowner, passive restraint, and vehicle safety discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance after a speeding ticket is 28% or $636.
Why it’s important to shop around
Texas insurance rates are based on many factors that may substantially change the policy premium. Improving your credit score, having a teen driver, or getting a couple of tickets can produce rate changes resulting in some rates now being cheaper than before.
Not only may your risk profile change, but car insurance companies change prices as often as every three months to adjust for heavy claims or excess profits. Significantly higher claims may result in price increases, while a profitable period can cause lower-cost Corpus Christi car insurance rates.
For instance, the chart below shows the companies that have the cheapest car insurance in Corpus Christi, TX for a 30-year-old female driver with no prior claims, no tickets, and a decent credit rating. When comparing rates based on her current risk profile, Travelers may offer the lowest car insurance rates in Corpus Christi at $1,122 annually. This is $782 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also included in the best Corpus Christi, TX auto insurance companies.
Now we will give the driver in the first example a couple of claims, bad credit, and a few traffic violations. Since each auto insurer has a different formula to set their prices, comparing insurance quotes most likely will result in a different set of the cheapest Corpus Christi car insurance companies as shown below.
State Farm now has the lowest price in Corpus Christi, TX with Mercury, Safe Auto, Nationwide, and USAA completing the list. This example demonstrates why consumers need to take the time to compare rates to get the most affordable car insurance rates after a speeding ticket. Car insurance prices can be altered by many different factors and can increase or decrease at any time, so the most economical company the last time you compared rates may now be one of the higher cost companies.