The vehicle model driven is a large consideration that determines whether or not you find the cheapest coverage after a speeding ticket. Vehicles with economical engines, advanced safety features, or a track record of few liability claims will cost significantly less to insure than high performance models. The data below shows coverage rates for a handful of the most economical automobiles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,798 |
| Ford Edge SE 2WD | $1,929 |
| Honda Accord LX 4-Dr Sedan | $1,942 |
| Ford Explorer XLT AWD | $1,970 |
| Ford Escape Limited 2WD | $1,985 |
| Dodge Grand Caravan Hero | $2,083 |
| Jeep Wrangler Sport 4WD 2-Dr | $2,108 |
| Chevrolet Malibu LT | $2,123 |
| Toyota Prius | $2,151 |
| Toyota Corolla S | $2,196 |
| Toyota Tacoma X-Runner 2WD | $2,206 |
| Honda Civic Hybrid 4-Dr Sedan | $2,237 |
| Dodge Ram Crew Cab ST 4WD | $2,274 |
| GMC Sierra 3500HD SLE Regular Cab 2WD | $2,277 |
| Hyundai Sonata SE 4-Dr Sedan | $2,347 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $2,352 |
| Chevrolet Impala LS | $2,375 |
| Ford Focus SES 4-Dr Sedan | $2,383 |
| Volkswagen Jetta SE 2.5 Station Wagon | $2,403 |
| Toyota RAV4 2WD | $2,420 |
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Data 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 homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in Dallas, TX location which can decrease or increase insurance rates noticeably.
Based upon the rates shown, you can conclude that makes and models like the Honda CR-V, Ford Edge, Honda Accord, Ford Explorer, and Ford Escape are a few of the cheapest vehicles to insure after a few driving violations.
Deciding which companies quote the cheapest insurance rates after a speeding ticket calls for a bit more work than just picking a company at random. Each company uses a little different formula to establish rates, so to begin we’ll rank the lowest cost insurance companies in Dallas, TX.
Keep in mind that Dallas, TX insurance rates are influenced by many factors that control the policy premium. Simply having a birthday, having a teenage driver, or getting caught speeding may cause policy rate changes that may make certain companies cheaper than competitors.
Lowest Insurance Price Quotes with Licence Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Safe Auto | $1,597 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,775 |
| 14 | GEICO | $2,135 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,646 |
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Travelers may offer some of the best car insurance rates in Dallas at around $1,041 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the lowest-priced Dallas, TX car insurance companies.
In the above rates, if you currently have coverage with USAA and switched to Travelers, you may see annual savings of around $76. Texas drivers with Texas Farm Bureau could save as much as $170 a year, and Germania Mutual policyholders might cut rates by $253 a year.
To find out how your current rates compare, click here to get a free quote or click through to the companies below.
Bear in mind that those premiums are averages across all ages of drivers and types of vehicles and do not take into consideration an exact location after a speeding ticket. So the company that has the cheapest rates for you may not even be in the top 23 companies shown above. That helps illustrate why you need to get rate quotes from many companies using your own individual information.
One of the more important factors that are looked at to determine the amount you pay each year for auto insurance is where you live in Dallas. Areas with more people or even just a higher incidence of claims tend to pay more, whereas less populated areas can boast about having cheaper rates.
The following table rates the most expensive places in Texas after a speeding ticket to buy car insurance in. Dallas ranks #2 having an annual price of $1,911 for the average insured, which is about $159 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Dallas | $1,911 |
| 3 | Laredo | $1,889 |
| 4 | Brownsville | $1,870 |
| 5 | Garland | $1,850 |
| 6 | Amarillo | $1,840 |
| 7 | Houston | $1,835 |
| 8 | Mesquite | $1,825 |
| 9 | Pasadena | $1,812 |
| 10 | Irving | $1,772 |
| 11 | Grand Prairie | $1,757 |
| 12 | Beaumont | $1,754 |
| 13 | Lubbock | $1,716 |
| 14 | Arlington | $1,709 |
| 15 | San Antonio | $1,688 |
| 16 | Carrollton | $1,664 |
| 17 | Fort Worth | $1,653 |
| 18 | Plano | $1,624 |
| 19 | Austin | $1,610 |
| 20 | McKinney | $1,577 |
| 21 | Corpus Christi | $1,572 |
| 22 | El Paso | $1,568 |
| 23 | Abilene | $1,561 |
| 24 | Waco | $1,522 |
| 25 | Killeen | $1,518 |
| Compare Rates Now Go | ||
Premium costs are approximated as specific location information can impact auto insurance rates noticeably.
Types of discounts on Dallas auto insurance rates
Insurance providers that offer quotes after a speeding ticket could also offer policy discounts that could reduce prices by 35% or more if you meet eligibility requirements. Companies and some of the premium reductions they offer are detailed below.
- Progressive offers discounts for multi-policy, online quote discount, homeowner, good student, continuous coverage, multi-vehicle, and online signing.
- The Hartford has discounts for anti-theft, driver training, vehicle fuel type, defensive driver, air bag, and good student.
- Mercury Insurance may offer discounts for annual mileage, accident-free, anti-theft, good driver, ease of repair, and age of vehicle.
- GEICO may include discounts for anti-theft, military active duty, membership and employees, daytime running lights, seat belt use, and anti-lock brakes.
- AAA discounts include education and occupation, AAA membership discount, multi-car, good driver, and good student.
- State Farm offers premium reductions for Drive Safe & Save, accident-free, student away at school, multiple policy, good driver, passive restraint, and multiple autos.
The chart below illustrates the difference between premium costs with and without discounts. The data is based on a male driver, no at-fault accidents and one violation, Texas state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with continuous coverage, passive restraint, multiple policy, multiple vehicle, anti-theft, and paperless filing discounts applied. When these discounts are applied to the policy premium, the amount saved on insurance after a speeding ticket is 28% or $614.
Bad driving habits will cost you more
The obvious way to find the best insurance rates in Dallas after a few driving violations is to be an attentive driver and avoid traffic citations and accidents. The example below highlights how speeding tickets and at-fault collisions can influence annual premium costs for different age groups. The premiums assume a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of auto insurance per year with no accidents and a clean driving record is $2,242. Get one speeding ticket and the average cost rises to $2,612, an increase of $370 each year. Now add in one accident along with the one speeding ticket and the yearly cost of insurance after a speeding ticket goes up to an average of $3,672. That’s an increase of $1,430, or $119 per month, just for being a careless driver!
Your cheap policy may actually be overpriced
Dallas insurance rates are impacted by many things that can increase the price you have to pay. Simply improving your credit, getting married, or getting a speeding ticket can cause premium changes that can make some companies more affordable than the competition.
Not only may your risk profile change, but insurers change premium rates every year or even multiple times each year to adjust for heavy claims or excess profits. Heavy losses can cause rate increases, while lower claims may cause lower-priced Dallas car insurance rates.
For instance, the data below compares the cheapest car insurance in Dallas, TX for a 35-year-old male driver with a good driving record, no prior claims, and great credit. If we estimate prices based on his current risk profile, Travelers may offer the cheapest car insurance rates in Dallas at $1,324 a year. This is $580 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remaining top five cheapest Dallas, TX auto insurance companies.
In this next rate comparison, we will give the driver in the first example a couple of claims, slightly worse credit, and a few blemishes on his driving record. Because each insurer has their own unique process to determining premium rates, comparing quotes may now present a completely different list of affordable companies as shown below.
State Farm now has the lowest price on auto insurance in Dallas, TX with Mercury, USAA, Safe Auto, and Nationwide now being in the top five. This shows why it is so important to shop around to get cheap auto insurance quotes after a speeding ticket.
Rates consist of many factors and can change substantially, so the best company the last time you shopped around may now not even be in the top five.
The insurance agencies listed below can most likely answer your questions and help you decide which car insurance company is the best fit, since some drivers have questions and prefer to get some professional advice when shopping for the best coverage after a speeding ticket. It can be difficult to find the cheapest rates, and insurance agents can provide you comfort knowing your policy gives you sufficient protection if you have a claim.
To locate a Dallas auto insurance agent nearest to you, click the button at the bottom of the list.
Thumann Agency, Inc
12770 Coit Rd Suite 110 – Dallas, TX 75251 – (972) 991-9100
Bill Remley – State Farm Insurance Agent
4230 Lyndon B Johnson Fwy #105 – Dallas, TX 75244 – (972) 488-3822
Scott Beseda – State Farm Insurance Agent
4411 Lemmon Ave #203 – Dallas, TX 75219 – (214) 219-6610
Richard Ramirez – State Farm Insurance Agent
9400 N Central Expy #120 – Dallas, TX 75231 – (214) 320-3000
View more Dallas, TX insurance agencies
How to find economical auto insurance after a speeding ticket
It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help Dallas drivers buy lower-cost coverage.
- Avoid filing excessive claims
- Home or renters coverage can save on auto insurance
- Lower rates by purchasing a safer vehicle
- Avoid preventable accidents
- Do not get tickets
- Ensure you have the best deal by shopping around regularly
The last tip is highly significant, as we hit on in this piece. Coverage prices can change considerably based on profitability, so you should be ready to switch companies if a cheaper rate is available. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that loyalty ends up costing money that could be used for better things. Spend a few minutes and compare rates and find cheaper insurance after a speeding ticket in Dallas.