One of the more important considerations that help determine auto insurance rates is your address. Areas with increased crime or more people likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The table below shows the highest-priced places in Arizona with multiple speeding tickets in which to buy car insurance. Mesa makes the list at #8 with a yearly premium of $1,125 for the average policy, which is about $94 monthly.
|Rank||City||Premium Per Year|
|4||San Tan Valley||$1,150|
|25||Lake Havasu City||$870|
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Table data uses estimated as vehicle location can modify premium rates considerably.
The car, truck, or SUV driven is probably the largest consideration that determines whether or not you can buy the best auto insurance with multiple speeding tickets. Vehicles with lower performance, a plethora of safety features, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models. The information below showcases coverage premiums for a number of the cheapest automobiles to buy coverage for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$2,127|
|Ford Escape XLS 4WD||$2,133|
|Dodge Grand Caravan SE||$2,226|
|Ford Focus SE 4-Dr Sedan||$2,314|
|Honda Accord EX-L 4-Dr Sedan||$2,317|
|Volkswagen Jetta 2.0T Station Wagon||$2,346|
|Chevrolet Impala LT||$2,357|
|Ford Explorer Limited 4WD||$2,402|
|Ford F-150 STX Regular Cab 4WD||$2,439|
|Chevrolet Malibu Hybrid||$2,517|
|Jeep Grand Cherokee Laredo 2WD||$2,527|
|Toyota RAV4 Limited 4WD||$2,517|
|Chevrolet Equinox LTZ 2WD||$2,535|
|Hyundai Elantra Blue 4-Dr Sedan||$2,613|
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Data variables include single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in specific Mesa, AZ garaging location which can influence premium rates significantly.
Looking at the data, makes and models like the Honda CR-V, Ford Escape, Dodge Grand Caravan, and Ford Focus will be the cheaper vehicles to insure after a few driving violations.
Poor driving habits will raise your insurance rates
In a perfect world, the ideal way to enjoy the best insurance rates after a few driving violations is to pay attention while driving and avoid accidents and violations. The diagram below demonstrates how citations and accident claims can impact car insurance rates for different insured age categories. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
The data above shows the average cost of car insurance per year with no accidents and a clean driving record is $1,349. Get written up for two speeding tickets and the average cost increases to $1,860, an increase of $511 each year. Now add two accidents along with the two speeding tickets and the annual cost of insurance with multiple speeding tickets increases to an average of $3,742. That’s an increase of $2,393, or $199 per month, just for not paying attention while driving!
Finding the highest-rated insurer can be challenging considering how many companies there are in Arizona. The ranking information shown next may help you select which auto insurance companies to look at when trying to find cheaper insurance with multiple speeding tickets. These ratings only include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not included in this list.
Top 10 Major Auto Insurance Companies Overall in Mesa
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top 10 Major Auto Insurance Companies in Mesa Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Here’s why you should compare rates often
Mesa, AZ insurance rates are based on many factors that can increase the cost of a policy. Simply having a birthday, having a teenage driver, or having an accident can cause premium changes that may make certain companies more affordable than others. Not only may your situation change, but auto insurance companies change their prices as often as every three months in order to remain profitable. A period of higher than normal claims may cause higher priced premiums, while lower claim expenses can result in lower-cost Mesa car insurance rates.
For example, the bar chart below shows the companies that have the cheapest car insurance in Mesa, AZ for a 35-year-old female driver with no accidents, a clean driving record, and great credit. If we look at prices based on her current risk profile, The Hartford might offer the best car insurance rates in Mesa at $1,126 per year. This is $302 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Progressive are the rest of the cheapest Mesa, AZ auto insurance companies.
In this next rate comparison, we will give the driver from the first example a chargeable accident, poor credit, and a few blemishes on her driving record. Because every insurance company has their own guidelines to set their prices, comparing insurance quotes most likely will result in a different list of affordable companies as shown below.
GEICO now has the lowest price in Mesa with Ameriprise Group, CSAA, Auto-Owners, and Safeco now being in the top five. This shows why it is critical to perform a complete rate comparison to get the most budget-friendly auto insurance quotes with multiple speeding tickets. Rates consist of many risk factors and change substantially, so the cheapest company the last time you compared rates may now not even be in the top five.
How to find economical car insurance with multiple speeding tickets
The list below shows some penny-pinching ideas that can help drivers find cheap auto insurance.
- Buying your home and auto policies from the same company can earn a discount
- Do not get tickets or violations
- Buy safe vehicles
- Having at-fault accidents will increase rates
- Avoid filing excessive claims
- Full coverage is expensive so only insure older vehicles for liability only
- Comparison shop at least every other year
That last piece of advice is very vital, as we stressed in this piece. Coverage prices adjust frequently, so drivers shouldn’t be reluctant to buy from a different company if you can save money.
Having a favorite company is great, but it’s not a good idea if that stubbornness costs you a small fortune year after year. It only take a few minutes to compare rates to find cheaper insurance with multiple speeding tickets in Mesa.
The insurance agents in Mesa listed below can most likely provide answers to your questions and help you determine which coverages and limits you need, since some drivers wish to get some help when comparing insurance rates after a few driving violations. It’s not always easy to find the best coverage yourself, so agents can bring comfort knowing your policy gives you adequate protection in case of an accident or claim. To find an agent nearest to you, click the button after the list or click here to compare prices now.
- INW Insurance Group
4545 E Southern Ave #106 – Mesa, AZ 85206 – (480) 626-0797
- Wilson Insurance
3950 E Broadway Rd # 102 – Mesa, AZ 85206 – (480) 964-2400
- Gilbert Insurance Group
350 N Gilbert Rd #202 – Gilbert, AZ 85234 – (480) 926-9030
- Jon Eisenbraun – State Farm Insurance Agent
1837 W Guadalupe Rd #114 – Mesa, AZ 85202 – (480) 833-0724
- Nationwide Insurance: Isakson Ins Agency Inc
1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318