The vehicle you are insuring is probably the largest consideration in finding low-priced insurance after a speeding ticket. Vehicles with average performance, a great safety record, or a low likelihood of having liability claims will cost much less to insure than high performance models. The list below illustrates coverage prices for some of the cheapest vehicles to buy insurance for.
Make, Model, and Trim Level | Estimated Cost for Full Coverage |
---|---|
Honda Accord EX 4-Dr Sedan | $632 |
Chevrolet Traverse LS AWD | $666 |
Ford Escape XLT 2WD | $669 |
Honda CR-V LX 4WD | $676 |
Ford Explorer XLT 4WD | $703 |
Chevrolet Impala LS | $732 |
Dodge Grand Caravan SE | $746 |
Chevrolet Equinox LT AWD | $749 |
Nissan Altima 2.5 4-Dr Sedan | $755 |
Jeep Wrangler Sahara 4WD 2-Dr | $761 |
Kia Forte LX 4-Dr Sedan | $768 |
Toyota Tacoma Double Cab TRD Sport Package 4WD | $766 |
Subaru Forester XT Limited Edition W/Navigation AWD | $776 |
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Price data assumes married male driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can alter coverage rates considerably.
Looking at the rates, we can tell that makes and models like the Honda Accord, Chevrolet Traverse, and Ford Escape are going to be some of the most economical vehicles to insure after a few driving violations.
One of the many things that impact the amount you pay each year for auto insurance is the neighborhood you call home in North Carolina. Areas with more people or even just a higher incidence of claims like Fayetteville, Gastonia, and Raleigh tend to pay more, whereas areas with less traffic congestion and claims benefit from lower prices.
The table below rates the higher priced cities in North Carolina after a speeding ticket to purchase car insurance in.
Rank | City | Annual Premium |
---|---|---|
1 | Fayetteville | $932 |
2 | Jacksonville | $900 |
3 | Gastonia | $811 |
4 | Charlotte | $808 |
5 | Raleigh | $767 |
6 | Durham | $765 |
7 | Greensboro | $763 |
8 | Goldsboro | $758 |
9 | Wilmington | $758 |
10 | Greenville | $752 |
11 | Cary | $749 |
12 | Apex | $747 |
13 | Indian Trail | $745 |
14 | Huntersville | $742 |
15 | Rocky Mount | $726 |
16 | Wilson | $724 |
17 | Chapel Hill | $724 |
18 | High Point | $723 |
19 | Hickory | $711 |
20 | Burlington | $692 |
21 | Salisbury | $691 |
22 | Winston Salem | $688 |
23 | Asheville | $681 |
24 | Concord | $669 |
25 | Kannapolis | $669 |
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Prices are approximated as specific location information can decrease or increase coverage prices significantly.
If you want reliable auto insurance after a few driving violations, four companies to consider are Allstate, Progressive, State Farm, and Geico. When combined, they make up nearly half of all auto insurance written. They all offer a slightly different mix of options and features that may influence your buying decision. The data below points out ratings and policy coverage options that are available for buyers.
Allstate | Progressive | State Farm | Geico | |
---|---|---|---|---|
Overall Cost | 4th | 3rd | 2nd | 1st |
Claims Service | 1st | 4th | 2nd | 3rd |
Discounts Available | 1st | 4th | 3rd | 2nd |
Client Satisfaction | 2nd | 3rd | 4th | 1st |
A.M. Best rating | A+ | A+ | A++ | A++ |
Standard & Poor’s rating | AA- | AA | AA | AA+ |
Emergency roadside service | Yes | Yes | Yes | Yes |
New car replacement | Yes | No | No | No |
Usage-based rating | Yes | Yes | Yes | No |
Mechnical breakdown | No | Yes | No | Yes |
Accident forgiveness | Yes | Yes | No | Yes |
Rideshare coverage | Yes | Yes | Yes | Yes |
Insurance Agents | Allstate-only agents | Buy online or from an independent agent | Can only buy from State Farm agents | Can buy online or use a Geico agent |
Number of agents | 11,000+ | 30,000+ | 18,000+ | 150+ |
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