How Much Does Auto Insurance Cost After a Speeding Ticket in Louisiana?

The words “low-priced” and “insurance” really don’t belong together, specifically when you are searching for the best price on coverage after a speeding ticket. Because it’s not cheap, let’s take a look at some of the factors that have a considerable impact on car insurance prices, and come up with some ideas to take the sting out of your next policy.

Everyone has different tastes in autos, and the style of vehicle requiring coverage is probably the most important factor when looking for cheap car insurance after a speeding ticket in Louisiana. Vehicles with lots of speed or power, a lack of safety features, or a track record of large liability claims will cost significantly more to insure than safer models. The data below showcases auto insurance premiums for a handful of the most affordable vehicles to insure.

Data based on married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in Louisiana location which can decrease or increase coverage rates greatly.

Cost estimates assume married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific location information which can affect premiums significantly.

Data based on married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific garaging location which can raise or lower rates substantially.

After a few driving violations, one of the largest things that impact car insurance rates is where you call home in Louisiana. Areas with high crime rates or more dense population like New Orleans, Harvey, and Metairie are more likely to pay higher prices, whereas less populated areas tend to receive cheaper rates.

The next table lists the most expensive places in Louisiana after a speeding ticket to buy car insurance in.

Information shown are approximated as zip code location can change coverage rates noticeably.

Finding good, budget insurance is confusing at best, and finding out which insurers offer the lowest-priced insurance rates after a speeding ticket requires even more perseverance. Each insurer has their own unique process for determining prices, so to begin we’ll rank the insurance companies that tend to be cheaper in Louisiana.

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USAA may offer some of the best car insurance rates in Louisiana at around $1,578 a year. MetLife, GEICO, Progressive, and Safeway would also make the list of some of the best Louisiana auto insurance companies.

In the above example, if you have coverage with Progressive and switched to USAA, you might realize an annual savings of roughly $349. Policyholders with Safeway might save as much as $554 a year, and Southern Farm Bureau policyholders might cut rates by $603 a year.

To get a fast rate comparison, click here to start your custom quote or visit any of the companies below.

Bear in mind that those policy rates are averages across all drivers and vehicles in Louisiana and and are not figured with a price discount after a speeding ticket. So the company that has the lowest price for you may not even be included in the above list. That emphasizes why you need to get rate quotes using your own driver information and specific vehicle type.

The example below demonstrates how deductibles can increase or decrease insurance rates when trying to find cheap insurance after a speeding ticket. The premiums assume a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

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In the chart above, a 30-year-old driver could pocket $428 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $646 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old category, can cut up to $1,254 each year by choosing larger deductibles on their policy.

When choosing a higher deductible, it will be important to have spare funds to be able to pay the extra out-of-pocket expense that comes with higher deductibles.

Progressive, Geico, Allstate, or State Farm: Who is best?

When comparing car insurance after a few driving violations, the four most popular companies are Progressive, Geico, Allstate, and State Farm. The table below rates pricing and service ratings, as well as optional policy coverages that are available from each company.