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

It’s impossible to miss the commercials from insurers like Allstate, Progressive, and Liberty Mutual that claim the cheapest price. So you just need to pick one randomly, right?

It’s just not that easy, however, as there are a lot of unknown aspects like where you live, whether you are female or male, and if you have ever let your coverage lapse, that all influence how much you pay for auto insurance. This article will discuss these factors and others that can influence the price of auto insurance and will hopefully give the reader some help in finding cheaper rates.

The car, truck, or SUV needing coverage is probably the biggest factor when shopping around for the lowest-priced coverage after a speeding ticket. Vehicles with limited speed and performance, a great safety record, or a track record of few liability claims will cost much less to insure than high performance models. The table below ranks auto insurance prices for a handful of the most economical vehicles to buy insurance for.

Data rating is based on married female driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, and multi-vehicle. Information does not factor in vehicle garaging location which can lower or raise auto insurance rates greatly.

By looking at the data, you can expect vehicles like the Chevrolet Traverse, Ford F-150, Ford Escape, and Honda CR-V are a few of the less-costly vehicles to insure after a few driving violations.

Figuring out which insurers offer the cheapest car insurance rates after a speeding ticket takes a little more sweat in order to find the best policy. Every auto insurer has their own unique process to set policy rates, so to begin we’ll rank the car insurance companies with the overall best prices in West Virginia.

It’s important to understand that West Virginia car insurance rates are determined by lots of factors that may substantially change the policy premium. Simply having another birthday, buying a different home, or getting a DUI can cause premium changes that can now make some companies cheaper in comparison to the competition.

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Erie offers some of the best car insurance rates in West Virginia at around $904 annually. The Hartford, State Auto, USAA, and Westfield would also make the list of some of the cheapest West Virginia insurance companies.

As the example above demonstrates, if you are a customer of USAA and switched to Erie, you might achieve yearly savings of in the vicinity of $383. West Virginia drivers with Westfield may save as much as $397 a year, and State Farm policyholders might reduce prices by as much as $589 a year.

To find out how much you can save, click here to start your custom quote or click several companies below for low rates.

These prices are averages for all ages of drivers and types of vehicles and are not factoring in a price decrease after a speeding ticket. So the company that is most affordable for your situation may not even be featured in the company chart above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

When shopping for cheaper car insurance after a few driving violations, one of the many criteria that is looked at to help calculate a rate quote is where you choose to live in West Virginia. Areas with high crime rates or more dense population like Elkins, Beckley, and Nitro will most likely pay more, whereas areas with less congestion have the luxury of lower rates.

The table below lists the highest-priced areas in West Virginia after a speeding ticket to buy car insurance in.

Rate information is approximated as the specific West Virginia residence address can change coverage prices significantly.

How to get discounts on West Virginia car insurance rates

Car insurance companies that provide cheap auto insurance after a speeding ticket in West Virginia may additionally offer price discounts that may potentially lower prices by 25% or more if you meet specific eligibility requirements. The best car insurance companies and some of the premium reductions they offer are shown below.

The illustration below shows the difference between car insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, three violations and no at-fault accidents, West Virginia state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with paperless filing, paid-in-full, marriage, vehicle safety, multiple policy, and homeowner discounts applied. When taking advantage of discounts, the the average amount saved on car insurance after a speeding ticket is 38% or $607.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 4433,3183],[‘Age 30’, 3377,2435],[‘Age 40’, 3227,2327],[‘Age 50’, 2969,2139],[‘Age 60’, 2911,2097],[‘Age 70’, 3223,2317]]);var options = {title: ‘Effect of Discounts on Insurance Price After a Speeding Ticket’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Bad driving habits will cost you more

The easiest way to snag the best car insurance premiums after a few driving violations is to be a careful driver and avoid at-fault accidents and violations. The information below demonstrates how speeding tickets and at-fault collisions raise insurance costs for each different age group. The data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 3025,3679,4351],[‘Age 30’, 1547,2197,2873],[‘Age 40’, 1511,2165,2839],[‘Age 50’, 1391,2045,2717],[‘Age 60’, 1365,2017,2693],[‘Age 70’, 1613,2265,2943]]);var options = {title: ‘Effect of Violations and Accidents on West Virginia Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in West Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of auto insurance in West Virginia per year with a clean driving record and no accidents is $1,742. Get written up for two speeding tickets and the average cost swells to $2,395, an increase of $653 each year. Then add in one accident along with the two speeding tickets and the annual cost of car insurance after a speeding ticket goes up to an average of $3,069. That’s an increase of $1,327, or $111 per month, just for not driving responsibly!