Wouldn’t life be great if we could tell you instantly one specific company that has the cheapest insurance with multiple speeding tickets? Unfortunately, it’s just not that easy, as there are a ton of unknowns such as whether or not you have had gaps between policies, if you have any tickets or accidents, the crime level of your neighborhood, and the amount of liability insurance you need. We will touch on the best ways to pay less and also should give you a good beginning to your search for cheaper coverage.
After a few driving violations, one of the more important considerations that help determine insurance cost is your address. Areas with a lot of weather claims or more people will most likely pay more, whereas areas with less congestion have the benefit of cheaper auto insurance prices.
The table below shows the most expensive cities in Florida with multiple speeding tickets to buy car insurance in. Miami shows up at #2 with an annual rate of $3,241 for the average insurance policy, which is around $270 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami | $3,241 |
| 3 | Miami Gardens | $3,149 |
| 4 | Miami Beach | $2,953 |
| 5 | West Palm Beach | $2,705 |
| 6 | Miramar | $2,683 |
| 7 | Tampa | $2,636 |
| 8 | Pompano Beach | $2,620 |
| 9 | Hollywood | $2,526 |
| 10 | Coral Springs | $2,499 |
| 11 | Fort Lauderdale | $2,475 |
| 12 | Davie | $2,448 |
| 13 | Pembroke Pines | $2,431 |
| 14 | Brandon | $2,392 |
| 15 | Clearwater | $2,260 |
| 16 | St. Petersburg | $2,196 |
| 17 | Orlando | $2,069 |
| 18 | Spring Hill | $2,060 |
| 19 | Jacksonville | $1,960 |
| 20 | Port St. Lucie | $1,935 |
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Annual rates are estimated as the vehicle garaging location can impact coverage rates significantly.
Determining which company quotes the lowest-priced auto insurance rates with multiple speeding tickets will require more time in order to find the lowest price quote. Each insurance company uses a little different formula for setting prices, so we’ll take a look at the most affordable auto insurance companies in Florida.
It’s a good idea to know that Florida auto insurance rates are determined by lots of factors that control the price you have to pay for coverage. Turning one year older, buying a different vehicle, or getting a speeding ticket can produce rate changes resulting in some rates now being cheaper than competitors.
Best Insurance Companies with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Electric | $1,694 |
| 3 | Amica | $1,764 |
| 4 | Progressive | $1,793 |
| 5 | Travelers | $1,888 |
| 6 | Mercury | $1,933 |
| 7 | Allied | $1,945 |
| 8 | Esurance | $2,020 |
| 9 | Auto-Owners | $2,107 |
| 10 | State Farm | $2,110 |
| 11 | GEICO | $2,172 |
| 12 | Allstate | $2,388 |
| 13 | 21st Century | $2,445 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | Safeco | $2,898 |
| 16 | Hanover | $2,964 |
| 17 | MetLife | $2,988 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,562 |
| 20 | Direct General | $4,062 |
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USAA offers some of the most affordable car insurance rates in Miami at around $948 per year. This is $1,500 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also make the cut as some of the lowest-priced Miami, FL car insurance companies.
As depicted above, if you have coverage with Progressive and switched to Electric, you might achieve an annual premium reduction of roughly $99. Florida drivers with Travelers might save as much as $194 a year, and Mercury customers might reduce rates by $239 a year.
Bear in mind that those policy prices are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a specific location with multiple speeding tickets. So the car insurance company that can offer the best rates for your situation may not even be in the list above. That helps illustrate why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
How to get discounts on Miami car insurance
Car insurance companies that offer coverage with multiple speeding tickets may also give you rate discounts that could lower prices by as much as 35% or more if you meet specific eligibility requirements. Popular auto insurance companies and a summarized list of policyholder discounts are outlined below.
- State Farm may have discounts that include good driver, driver’s education, Steer Clear safe driver discount, multiple policy, anti-theft, Drive Safe & Save, and defensive driving training.
- Progressive may offer discounts for good student, online signing, homeowner, multi-policy, and multi-vehicle.
- Travelers may include discounts for home ownership, multi-car, hybrid/electric vehicle, continuous insurance, and early quote.
- American Family discounts include defensive driver, good student, early bird, bundled insurance, and good driver.
- Liberty Mutual has savings for good student, newly married, multi-policy, hybrid vehicle, new move discount, preferred payment discount, and multi-car.
The diagram below compares insurance costs with and without discounts applied to the premium. The premiums assume a female driver, three violations and no accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, vehicle safety, homeowner, anti-theft, marriage, and paid-in-full discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance with multiple speeding tickets is 28% or $973.
Impact of careless driving on Miami auto insurance rates
The common sense way to get the cheapest auto insurance prices after a few driving violations is to drive carefully and avoid at-fault accidents and violations. The example below shows how speeding tickets and at-fault claims can drive up auto insurance rates for different age groups. The premiums assume a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of car insurance per year with no accidents and a clean driving record is $2,291. Add in two speeding tickets and the average cost rises to $3,084, an increase of $793 each year. Now add in two accidents along with the two speeding tickets and the annual cost of auto insurance with multiple speeding tickets jumps again to an average of $5,877. That’s an increase of $3,586, or $299 per month, just for not being attentive to the road!
The diagram below highlights how deductible selection can impact insurance prices when searching for cheap insurance with multiple speeding tickets. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are factored in.
In the chart above, a 40-year-old driver could lower rates by $384 a year by changing from a $100 deductible to a $500 deductible, or save $578 by choosing a $1,000 deductible. Younger drivers, like the Age 20 category, could save up to $952 each year by selecting a higher deductible.
When using a larger deductible, it will now be necessary to have enough savings to enable you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
How to find budget-friendly car insurance with multiple speeding tickets
Here are some of the recommended money-saving ideas that can help Florida drivers get more affordable auto insurance.
- Drive safe vehicles
- Increase your deductibles
- At-fault accidents can raise rates significantly
- Maintain a clean driving record
- Better credit rating means better rates
- Shop your coverage around for the best deal
The last suggestion is incredibly valuable, as was pointed out in the prior information. Insurance prices can change significantly in a year, so drivers shouldn’t be resistant to buy a policy from a new company if a better deal can be had. Having a favorite company is great, but it’s not recommended if your bullheadedness ends up costing you hundreds of dollars a year. In just a couple of minutes you could compare prices to find cheaper insurance with multiple speeding tickets in Miami.
The professional agents shown below are a good start to provide answers to your questions and help you determine which coverages are best, as lots of people like to get help from a professional when shopping around for cheaper insurance after a few driving violations. It’s not always easy to find the best policy yourself, so professional agents can give you satisfaction knowing your policy gives you adequate protection. To find an auto insurance agency close to you, click the button at the bottom.
- E and L Insurance Services
1241 SW 27th Ave – Miami, FL 33135 – (888) 700-4049 - Royal Palm Insurance Agency Inc
9900 NW 27th Ave – Miami, FL 33147 – (305) 835-6080 - Mario Obregon – State Farm Insurance Agent
6701 Sunset Dr #115 – South Miami, FL 33143 – (305) 661-7667