The words “economical” and “auto insurance” really shouldn’t be used in the same sentence, especially when you are trying to find the cheapest coverage after a speeding ticket. In an attempt to save some money, let’s start off by going over some things that impact insurance premiums, and find some ways to cut the cost of your next policy.
Comparing quotes for budget car insurance is tough enough, and determining which company has the best car insurance rates after a speeding ticket will involve additional perseverance. Each auto insurance company uses a slightly different approach for setting prices, so let’s take a look at the car insurance companies that tend to be cheaper in Arizona.
It’s important that readers know that Arizona car insurance rates are calculated based on many things which can substantially decrease or increase the cost of coverage. Improving your credit score, buying higher coverage limits, or getting a speeding ticket can trigger changes in premium that can make some companies more expensive than before.
Best Insurance Companies with Licence Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $896 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,091 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,172 |
| 9 | CSAA | $1,177 |
| 10 | Allied | $1,209 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,285 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,378 |
| 16 | American Family | $1,420 |
| 17 | Titan | $1,433 |
| 18 | Amica | $1,443 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,567 |
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The Hartford may offer some of the lowest car insurance rates in Mesa at around $811 a year. This is $617 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the best Mesa, AZ insurance companies.
As illustrated above, if you buy coverage from USAA and switched to Auto-Owners, you may see an annual savings of about $203. Insureds with Progressive may save as much as $242 a year, and GEICO customers might lower prices by $278 a year.
To find the cheapest coverage for you, click here to start your free quote or visit any of the companies below.
Remember that these estimates are averages for all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location after a speeding ticket. So the insurer that has the cheapest rates for you may not even be in the top 28 companies shown above. That emphasizes why you need to get rate quotes from many companies using your own personal information and vehicle type.
After a few driving violations, one of the big components that are used to help calculate the price you pay for insurance is where you live in Mesa. Areas with a lot of weather claims or more people tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.
The following table lists the priciest cities in Arizona after a speeding ticket to purchase auto insurance in. Mesa is ranked at #6 with a yearly premium of $1,159 for the average policy, which is around $97 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Avondale | $1,222 |
| 2 | Phoenix | $1,218 |
| 3 | San Tan Valley | $1,196 |
| 4 | Glendale | $1,190 |
| 5 | Scottsdale | $1,163 |
| 6 | Mesa | $1,159 |
| 7 | Gilbert | $1,142 |
| 8 | Peoria | $1,126 |
| 9 | Maricopa | $1,118 |
| 10 | Buckeye | $1,110 |
| 11 | Tempe | $1,106 |
| 12 | Goodyear | $1,098 |
| 13 | Surprise | $1,090 |
| 14 | Chandler | $1,082 |
| 15 | Casas Adobes | $1,072 |
| 16 | Tucson | $1,061 |
| 17 | Oro Valley | $1,051 |
| 18 | Casa Grande | $1,047 |
| 19 | Catalina Foothills | $1,040 |
| 20 | Yuma | $954 |
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Price information shown is estimated as the specific Mesa residence address can impact coverage prices noticeably.
The vehicle needing coverage is a significant factor when comparing economical auto insurance after a speeding ticket. Vehicles with average performance, a plethora of safety features, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models.
The table below showcases auto insurance prices for a selection of the cheapest vehicles to insure in Arizona.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $2,081 |
| Honda CR-V EX 4WD | $2,128 |
| Ford Escape Limited 2WD | $2,133 |
| Ford F-150 XL Regular Cab 2WD | $2,142 |
| Toyota Prius | $2,165 |
| Volkswagen Jetta 2.0T Station Wagon | $2,295 |
| Nissan Altima 2.5 4-Dr Sedan | $2,308 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $2,350 |
| Ford Explorer XLT 2WD | $2,392 |
| Chevrolet Impala LS | $2,419 |
| Honda Odyssey EX-L W/Rear Entertainment | $2,437 |
| Ford Edge Limited 2WD | $2,463 |
| Toyota RAV4 Sport 2WD | $2,466 |
| Jeep Grand Cherokee Laredo 2WD | $2,475 |
| Kia Optima LX | $2,474 |
| Dodge Grand Caravan Crew | $2,513 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $2,516 |
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Data assumes single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in specific location information which can increase or decrease coverage rates considerably.
By looking at the data, we can conclude that cars like the Honda Accord, Honda CR-V, and Ford Escape are most likely to be the most budget-friendly vehicles to insure after a few driving violations.
Arizona car insurance company ratings
Insuring your vehicle with the highest-rated company can be challenging considering how many different companies there are to choose from in Mesa. The ranking data shown next may help you pick which auto insurers you want to consider when shopping your coverage around. The rankings below are only made up of companies that write coverage in many states, so smaller companies that only insure vehicles in Arizona are not taken into consideration for these rankings.
Top 10 Large Car Insurance Companies in Mesa Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Large Car Insurance Companies in Mesa Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
The example below illustrates how your choice of deductibles can change annual premium costs when quoting cheap insurance after a speeding ticket. The prices are based on a single female driver, comp and collision included, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could pocket $236 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $358 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could possibly save up to $602 or more just by choosing higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it will be required to have plenty of money set aside to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Last year’s bargain might be this year’s rip off
Arizona car insurance rates are based on many factors which can substantially decrease or increase your annual premium. Simply having another birthday, becoming a homeowner, or getting into an accident can cause premium changes that can cause some rates to be affordable when they were higher priced. Additionally, insurance companies modify pricing at least once a year in order to protect their financial rating. An extended period of higher than normal claims may result in more expensive premiums, while better underwriting can result in lower-cost Mesa car insurance rates.
To illustrate this example, the data below shows rates for the cheapest car insurance in Mesa, AZ for a 30-year-old male driver with no accidents, a clean driving record, and solid credit. When quoting prices based on his current situation, The Hartford may offer the most affordable car insurance rates in Mesa at $1,070 annually. This is $358 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also on the list of the cheapest Mesa, AZ auto insurance companies.
Now we will give the driver from above an at-fault accident, bad credit, and a blemish on his driving record. Because each company has a different formula to set their prices, analyzing rate quotes will most likely result in a substantially altered list of affordable companies as shown below.
Ameriprise Group now has the best price on car insurance in Mesa, AZ with GEICO, Allied, CSAA, and Farm Bureau Mutual now rounding out the top five. This demonstrates why Arizona drivers need to compare as many rates as possible to find affordable auto insurance quotes after a speeding ticket. Insurance prices are influenced by many factors and change dramatically, so the cheapest rate six months ago may now be an over-priced policy.