Deciphering which companies offer the cheapest insurance rates with multiple speeding tickets requires a bit more effort in order to find the lowest price.
Each auto insurer uses a little different formula for filing rates in each state, so we’ll take a look at the most competitive insurance companies in Dallas. We do need to point out that Dallas, TX insurance rates are impacted by many factors which can substantially decrease or increase the cost of having a policy. Turning one year older, buying a new vehicle, or getting caught speeding can produce rate changes resulting in some rates now being much cheaper than others.
Compare Cheap Insurance Quotes with License Points
Travelers quotes some of the best car insurance rates in Dallas at around $1,021 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the most economical Dallas, TX car insurance companies.
In this example, if you are a policyholder with Germania Mutual and switched to USAA, you might achieve yearly savings of approximately $172. Drivers with Esurance could save as much as $337 a year, and California Casualty policyholders might lower prices by up to $340 a year.
To get a fast rate comparison, click here to start a quote or visit any of the companies below.
Understand that those estimates are averages for all types of insureds and vehicles and and are not calculated with a specific vehicle garaging location with multiple speeding tickets. So the auto insurance company that has the cheapest price for you may not even be in the top 23 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
The type of vehicle you are seeking coverage for is probably the biggest factor that determines whether or not you find low-cost coverage with multiple speeding tickets. Vehicles with lower performance, excellent safety ratings, or a track record of few liability claims will cost much less to insure than adrenaline junky models. The table below illustrates auto insurance premiums for some of the cheapest vehicles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$1,763|
|Honda Accord LX-P 4-Dr Sedan||$1,902|
|Ford Escape XLS 4WD||$1,909|
|Ford Edge SEL 2WD||$2,005|
|Chevrolet Silverado LT Extended Cab 4WD||$2,044|
|Dodge Grand Caravan SXT||$2,082|
|Honda Civic LX-S 4-Dr Sedan||$2,114|
|Toyota Camry SE||$2,154|
|Toyota Corolla XLE||$2,164|
|Nissan Rogue SL 2WD||$2,189|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$2,192|
|Ford Focus SE 4-Dr Sedan||$2,214|
|Dodge Ram Quad Cab TRX4 Off Road 2WD||$2,226|
|GMC Sierra 3500HD SLE Crew Cab 2WD||$2,231|
|Toyota RAV4 4WD||$2,256|
|Ford Fusion S 4-Dr Sedan||$2,266|
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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 claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in specific location which can impact coverage prices significantly.
Looking at the data, we can tell that models like the Honda CR-V, Honda Accord, Ford Escape, and Ford Edge will be some of the most economical vehicles to insure after a few driving violations.
After a few driving violations, one of the largest criteria that are looked at to determine insurance cost is where your car is garaged. Areas with high crime rates or more dense population tend to have more expensive car insurance rates, whereas more rural areas have the gratification of cheaper auto insurance rates.
The following table rates the priciest cities in Texas with multiple speeding tickets to buy auto insurance in. Dallas is listed at #3 with an annual cost of $1,911 for car insurance, which is around $159 monthly.
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Price information shown is comparative as the specific area where the vehicle is garaged can impact insurance rates noticeably.
Choosing the right company is difficult considering how many choices drivers have in Dallas. The information below can help you choose which coverage providers to look at putting your business with. These rankings are only made up of the largest companies in America, so smaller regional companies are not included in this list.
Top 10 Large Car Insurance Companies in Dallas Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Large Car Insurance Companies in Dallas Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
How much more does full coverage cost?
Saving money when shopping for insurance should be important to most people, and one good way to buy cheap insurance with multiple speeding tickets is to buy only liability coverage. The example below visualizes the comparison of car insurance costs with and without full coverage. The premiums are based on no accidents or driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.
If the expense is averaged for all age categories, physical damage coverage costs an additional $2,671 per year more than just insuring for liability. That raises the question when is it a good idea to stop buying full coverage. There is no definitive rule to drop full coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
There are some scenarios where dropping full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
Get discount Dallas car insurance
Insurance providers that provide coverage with multiple speeding tickets may provide special discounts that could reduce prices by as much as 35% if you qualify. A few popular companies and the discounts they provide are shown below.
- GEICO offers premium reductions for multi-vehicle, anti-theft, daytime running lights, good student, emergency military deployment, anti-lock brakes, and driver training.
- USAA has discounts for good student, new vehicle, multi-policy, military installation, driver training, multi-vehicle, and safe driver.
- Progressive discounts include online signing, multi-policy, multi-vehicle, good student, homeowner, online quote discount, and continuous coverage.
- American Family may offer discounts for multi-vehicle, defensive driver, early bird, accident-free, and air bags.
- Esurance offers discounts including defensive driver, online shopper, good driver, anti-lock brakes, paid-in-full, DriveSense, and anti-theft.
- Farmers Insurance may include discounts for bundle discounts, business and professional, pay in full, alternative fuel, and early shopping.
- State Farm has savings for driver’s education, multiple policy, accident-free, Drive Safe & Save, and good student.
The illustration below illustrates the difference between yearly insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, one traffic citation and no accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, anti-theft, vehicle safety, passive restraint, paperless filing, and continuous coverage discounts applied. When these discounts are applied, the amount saved on insurance with multiple speeding tickets is 28% or $734.