Cheap Car Insurance Quotes After a Speeding Ticket in Virginia
Enter your Virginia zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 16, 2019
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Wouldn’t it be great if we could wave our magic wand and tell you the single best company in Virginia that has the cheapest car insurance rates after a speeding ticket? Unfortunately, it’s not that simple as there are a lot of unknown factors such as if you have a clean driving record, whether you just need liability insurance, the amount of liability coverage you want, and if you have a spouse. If you keep reading, we will teach you about the best ways to save on auto insurance and should give you a good start in finding the cheapest insurance.
The vehicle model needing coverage is probably the largest consideration in finding affordable auto insurance after a speeding ticket. Vehicles with high performance, a lack of modern safety features, or an increased likelihood of liability claims will cost substantially more to insure than more modest models. The list below illustrates auto insurance costs for a number of the most affordable vehicles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$585|
|Honda CR-V EX-L 2WD||$655|
|Hyundai Tucson GLS 4WD||$656|
|Ford Explorer Eddie Bauer 2WD||$661|
|Subaru Forester X Limited Edition AWD||$665|
|Chevrolet Malibu Hybrid||$695|
|Dodge Grand Caravan SE||$716|
|Chevrolet Traverse LT AWD||$718|
|Chevrolet Impala LTZ||$733|
|Nissan Rogue SL 2WD||$742|
|Ford Edge SEL 2WD||$744|
|Honda Odyssey EX W/Rear Entertainment||$752|
|Chevrolet Equinox LTZ 2WD||$747|
|Volkswagen Jetta SE 4-Dr Sedan||$756|
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Premium data assumes married female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in vehicle garaging location which can change premiums significantly.
Based upon the table data, you can infer that vehicles like the Ford Escape, Honda CR-V, Hyundai Tucson, and Ford Explorer will be the most budget-friendly vehicles to insure after a few driving violations.
After a few driving violations, one of the more important components that aid in calculating the policy price is where your car is garaged. Larger areas like Burke, Dale City, and Arlington tend to have more expensive auto insurance rates, whereas areas with less congestion benefit from having to pay less for coverage.
The table below lists the most expensive places in Virginia after a speeding ticket to buy an auto insurance policy in.
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Rate quotes are approximated as the specific garaging location can decrease or increase rates greatly.
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Discounts on cheap auto insurance after a speeding ticket in Virginia
Car insurance companies that sell policies after a speeding ticket may additionally offer discounts that may potentially lower prices by as much as 35% or more if you meet the requirements. A list of car insurance companies and a selection of discounts are detailed below.
|Discount||State Farm||Geico||Progressive||Allstate||Nationwide||Farmers||Liberty Mutual|
|Defensive driving course||Yes||Yes||Yes||Yes||Yes||Yes||No|
|Active duty military||Yes||Yes||Yes||No||No||Yes||No|
|Paid in full||No||Yes||Yes||Yes||Yes||Yes||Yes|
|Own your home||No||No||Yes||No||No||Yes||No|
|Seat belt usage||No||Yes||No||No||No||No||No|
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The chart below shows the difference between auto insurance costs with and without discounts. The rates are based on a male driver, no at-fault accidents and two violations, Virginia state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, multiple policy, vehicle safety, anti-theft, paid-in-full, and paperless filing discounts applied. When drivers qualify for the discounts, the average amount saved on car insurance after a speeding ticket is % or $.
Does full coverage make sense?
Finding cheap auto insurance after a speeding ticket in Virginia is probably important to most vehicle owners, and a good way to pay lower rates for insurance is to only buy liability coverage. The example below shows the difference between auto insurance costs with liability coverage only compared to full coverage. The rate quotes are based on no claims or driving citations, $100 deductibles, marital status is single, and no discounts are applied to the premium.
As an average for all age groups, comp and collision coverage costs an extra $1,481 per year more than buying just liability insurance. At some point, almost every driver questions if paying for full coverage is a waste of money. There is no exact rule for dropping comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
Selecting a highly-rated insurer can be challenging considering how many different companies insure vehicles in Virginia. The information below could help you select which car insurance providers you want to consider when shopping insurance around after a speeding ticket. These ratings include companies that insure vehicles across America, so companies that only write business in Virginia or surrounding areas are not taken into consideration for the list.
Top 10 Large Auto Insurers in Virginia Ranked by Customer Satisfaction
- USAA – 91%
- Esurance – 90%
- AAA Insurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- Travelers – 88%
Top 10 Large Auto Insurers in Virginia Ranked by Value
- Mercury Insurance
- Safeco Insurance
- American Family
- AAA Insurance
- The Hartford
- Erie Insurance
- The General
Why are you paying too much for Virginia car insurance?
Virginia car insurance rates are calculated based on many things that can increase the cost of coverage. Simply turning a year older, moving to a different location, or getting a reckless driving citation can produce rate changes resulting in some companies being cheaper than competitors.
Also, insurers modify rates as often as every three months to adjust for gains or losses. A period of higher than normal claims may result in rate hikes, while profitable underwriting may result in cheaper Virginia car insurance rates.
For instance, the bar chart below compares the cheapest car insurance in Virginia for a 35-year-old male driver with a clean driving record, no accidents, and excellent credit. If we estimate prices based on his current risk profile, Travelers may have the lowest car insurance rates in Virginia at $673 a year. This is $485 less than the average rate paid by Virginia drivers of $1,158. USAA, Cincinnati Insurance, Penn National, and Utica National are the rest of the best Virginia auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison a claim surcharge, a lower credit score, and an imperfect driving record. Because every insurance company has a proprietary method for determining rates, comparing insurance quotes could result in a new list of the cheapest car insurance companies in Virginia as shown below.
Erie now has the best car insurance rate in Virginia with Auto-Owners, Virginia Farm Bureau, Donegal Mutual, and Nationwide also being competitive. This example shows why it is critical to compare many different companies when trying to find affordable auto insurance quotes after a speeding ticket.
Auto insurance prices can be determined by many different factors and change substantially, so the best price two years ago may now be quite expensive. Use our FREE quote tool to compare now!
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