After a few driving violations, one of the largest factors that are looked at to help calculate the cost of insurance is your zip code in San Jose. More populated areas tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents receive better rates.
The table below lists the most expensive cities in California with multiple speeding tickets to purchase car insurance in. San Jose shows up at #19 with a yearly cost of $1,381 for coverage, which is about $115 per month.
|Rank||City||Average Per Year|
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Information shown are comparative as zip code location can influence coverage prices substantially.
The make and model of vehicle on the policy is one of the biggest factors when shopping around for low-cost insurance with multiple speeding tickets. Vehicles with lots of horsepower, poor safety features, or a track record of large liability claims will cost substantially more to insure than safer models. The next table shows auto insurance rates for the most cost-effective automobiles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,421|
|Ford Escape XLS 4WD||$1,458|
|Jeep Wrangler Sport 4WD 2-Dr||$1,464|
|Dodge Grand Caravan CV||$1,591|
|Ford Focus SES 4-Dr Sedan||$1,641|
|Hyundai Elantra Blue 4-Dr Sedan||$1,649|
|Toyota Camry SE||$1,672|
|Toyota Corolla XLE||$1,678|
|Ford F-150 XLT Super Cab 4WD||$1,674|
|Toyota RAV4 Sport 2WD||$1,687|
|Volkswagen Jetta LE 4-Dr Sedan||$1,695|
|Chevrolet Equinox LT AWD||$1,687|
|Chevrolet Impala LS||$1,689|
|Ford Edge SE AWD||$1,694|
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Price data assumes single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in zip code location which can alter coverage prices greatly.
By looking at the data, you can expect vehicles like the Honda CR-V, Ford Escape, Jeep Wrangler, and Toyota Prius are a few of the most budget-friendly vehicles to insure after a few driving violations.
San Jose car insurance companies
Picking the highest-rated insurance provider can be difficult considering how many different companies sell coverage in San Jose. The ranking data listed below can help you pick which companies to look at when shopping around.
These ratings are only made up of large nationwide companies, so companies that focus mainly on California business are not taken into consideration for the list. If you wish to compare prices from the insurers below and more, follow this link.
Top 10 Major Auto Insurance Providers in San Jose Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Discounts on San Jose insurance
Insurers that offer coverage with multiple speeding tickets could also offer premium discounts that could potentially reduce rates by as much as 25% or more if you meet eligibility requirements. Larger car insurance companies and a selection of discounts include:
- Progressive offers discounts for good student, multi-policy, multi-vehicle, online quote discount, continuous coverage, online signing, and homeowner.
- The Hartford offers discounts including vehicle fuel type, bundle, good student, driver training, defensive driver, air bag, and anti-theft.
- Mercury Insurance has savings for anti-theft, annual mileage, age of vehicle, low natural disaster claims, ease of repair, good student, and good driver.
- GEICO includes discounts for seat belt use, multi-policy, defensive driver, air bags, anti-theft, and anti-lock brakes.
- AAA policyholders can earn discounts including multi-car, education and occupation, AAA membership discount, multi-policy, pay-in-full, anti-theft, and good driver.
- State Farm may have discounts that include multiple policy, driver's education, defensive driving training, anti-theft, and good student.
The chart below visualizes the comparison of car insurance rates with and without discounts. The premiums are based on a female driver, no accidents and one traffic ticket, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, multiple policy, paperless filing, homeowner, multiple vehicle, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance with multiple speeding tickets is 28% or $1,014.
Rate increases following a ticket or accident
In a perfect world, the best way to score good car insurance premiums after a few driving violations is to drive safe and avoid getting tickets or having accidents. The information below demonstrates how citations and at-fault fender-benders increase car insurance costs for different age groups. The premiums are based on a married female driver, full coverage, $100 deductibles, and no discounts are factored in.
In the previous example, the average cost of auto insurance in California per year with no violations or accidents is $1,948. Get written up for two speeding tickets and the average cost jumps to $2,776, an increase of $828 each year. Then add two accidents along with the two speeding tickets and the yearly cost of car insurance with multiple speeding tickets jumps again to an average of $5,713. That's an increase of $3,765, or $314 per month, just for not driving attentively!
Why you should be shopping around
San Jose, CA car insurance rates are impacted by many things which can substantially decrease or increase the cost of a policy. Simply turning a year older, moving to a different location, or getting a ticket for careless driving may prompt premium changes that can now make some companies more affordable than others.
Not only that, but auto insurance companies file new California car insurance rates multiple times each year in order to protect their financial rating. Significantly higher losses may cause high rates, while a profitable period may cause lower-priced San Jose car insurance rates.
To help illustrate this point, the graph below demonstrates which company has the cheapest car insurance in San Jose, CA for a 35-year-old female driver with no violations or accidents, and good credit. When comparing rates based on her current rating profile, USAA might offer the best car insurance rates in San Jose at $1,260 per year. This is $391 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the remainder of the most affordable San Jose, CA auto insurance companies.
In this example, we will give the driver from the first set of rates an accident surcharge, a little lower credit rating, and a traffic citation. Since every insurance provider has a different process to set policy rates, getting updated rate quotes will most likely result in a significantly different list of affordable San Jose car insurance companies as shown below.
Grange now has the best car insurance rate in San Jose, CA with Allstate, GEICO, Allied, and Mercury also having competitive pricing. This illustrates why San Jose drivers need to compare lots of rates when trying to find the most economical insurance rates with multiple speeding tickets.
Rates are determined by many different factors and can increase or decrease at any time, so the cheapest option three years ago may now not even be in the top five.