The car, truck, or SUV that is being insured is probably the largest consideration that determines whether or not you find the most affordable coverage with multiple speeding tickets. Vehicles with lower performance, advanced safety features, or a track record of few liability claims will cost less to insure than fast, unsafe models. The data below presents coverage rates for a handful of the most economical automobiles to insure in Pennsylvania.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$1,048|
|Honda Accord EX 4-Dr Sedan||$1,050|
|Ford Escape Limited 2WD||$1,076|
|Chevrolet Traverse LS AWD||$1,097|
|Chevrolet Impala LT||$1,135|
|Volkswagen Jetta S 2.5 Station Wagon||$1,143|
|Chevrolet Malibu LT||$1,158|
|Ford Explorer Limited 2WD||$1,165|
|Toyota Highlander 4WD||$1,158|
|Ford Focus SES 4-Dr Sedan||$1,174|
|Chevrolet Silverado LT Extended Cab 2WD||$1,215|
|Nissan Rogue S AWD||$1,220|
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Prices above based on married female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, and multi-vehicle. Information does not factor in specific Pennsylvania garaging location which can lower or raise insurance rates substantially.
Based upon the rates shown, cars like the Honda CR-V, Honda Accord, and Ford Escape are most likely going to be the cheapest vehicles to insure after a few driving violations.
Establishing which companies quote the best insurance rates with multiple speeding tickets will require a bit more effort than just getting one or two price quotes. Every insurance provider uses a little different formula to establish rates, so let’s take a look at the most budget-friendly insurance companies in Pennsylvania.
Find Cheaper Auto Insurance with License Points
|Rank||Company||Cost Per Year|
|18||Mutual Benefit Group||$1,454|
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General Casualty quotes some of the cheapest car insurance rates in Pennsylvania at around $748 each year. Travelers, Erie, Penn National, and USAA also are some of the more affordable Pennsylvania auto insurance companies.
In the above example, if you currently have coverage with USAA and switched to Travelers, you might see an annual premium reduction of upwards of $22. Policyholders with Auto-Owners may save as much as $216 a year, and Amica insureds might lower prices by up to $235 a year.
To find out how your current rates compare, click here to get a free quote or quote rates from the companies below.
Remember that these rates are averages for all ages of drivers and types of vehicles and and are not figured with a rate decrease with multiple speeding tickets. So the insurer that has the lowest price for you may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own individual information.
Ending up with a highly-rated insurance company is hard considering how many companies there are to choose from in Pennsylvania. The company rank data listed below can help you choose which companies you want to consider when comparing rate quotes.
These rankings include large insurance companies, so companies that may only write in Pennsylvania are not taken into consideration for these rankings. If you wish to compare prices from these and other companies in Pennsylvania, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Insurers that provide policies with multiple speeding tickets may also provide premium discounts that may potentially lower prices by 35% or more if you meet the requirements. The best insurance companies and a selection of discounts are outlined below.
|Discount||State Farm||Progressive||Geico||Allstate||Nationwide||Farmers||Liberty Mutual|
|Paid in full||No||Yes||Yes||Yes||Yes||Yes||Yes|
|Student at college||Yes||Yes||No||Yes||Yes||Yes||Yes|
|Own your home||No||Yes||No||No||No||Yes||No|
|Use seat belts||No||No||Yes||No||No||No||No|
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The illustration below illustrates the comparison of insurance premiums with and without discounts applied to the rates. Data assumes a male driver, three violations and no accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with paid-in-full, homeowner, multiple vehicle, multiple policy, vehicle safety, and marriage discounts applied. In this example, the the average amount saved on insurance with multiple speeding tickets is % or $.
If you are looking for the best auto insurance after a few driving violations, some of the largest companies to start with are Allstate, State Farm, Geico, and Progressive. The table below points out some of the different options that policyholders can buy.
|Handling of Claims||1st||2nd||3rd||4th|
|Customers who recommend||86%||88%||87%||88%|
|A.M. Best financial rating||A+||A++||A++||A+|
|Accident forgiveness coverage||Yes||No||Yes||Yes|
|New car replacement insurance||Yes||No||No||No|
|Coverage for ridesharing||Yes||Yes||Yes||Yes|
|Available in Pennsylvania||Yes||Yes||Yes||Yes|
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