Who Has Cheap Auto Insurance Rates After a Speeding Ticket in Greensboro?

Wouldn’t it be awesome if we could look into our crystal ball and tell you the company that has the cheapest insurance after a speeding ticket? It’s just not that simple, as there are a whole bunch of unknown factors such as how many years you have been driving, whether you are female or male, the deductible level you need, and the area where you live, that all impact the price you pay. The information below will cover the best ways to avoid paying too much and will hopefully give the reader a jump start in finding the best auto insurance in North Carolina.

Trying to buy cost effective car insurance is not easy, and figuring out which insurers offer the cheapest insurance rates after a speeding ticket requires a bit more work. Each company has their own process to set premium rates, so let’s begin by taking a look at the most budget-friendly insurance companies in Greensboro, NC.

We do need to point out that Greensboro insurance rates are based on many factors which can significantly increase or decrease the price of coverage. This price variation is why it is so important to perform an extensive rate comparison to get the cheapest car insurance rates after a speeding ticket. Insurance prices are impacted by many factors and can increase or decrease at any time, so the most affordable company the last time you compared rates may now be wasting a lot of money.

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Who has the cheapest car insurance in North Carolina?
Rank Company Cost Per Year
1 Utica National $636
2 Progressive $658
3 NC Farm Bureau $716
4 Penn National $717
5 Liberty Mutual $728
6 GEICO $742
7 Titan $759
8 State Farm $772
9 Auto-Owners $870
10 National General $881
11 Erie $895
12 Travelers $900
13 Allied $919
14 Peerless $992
15 MetLife $1,007
16 Nationwide $1,011
17 Unitrin $1,012
18 Encompass $1,041
19 Safeco $1,066
20 Allstate $1,086
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Utica National offers some of the most affordable car insurance rates in Greensboro at around $636 annually. This is $236 less than the average premium paid by North Carolina drivers of $872. Progressive, NC Farm Bureau, Penn National, and Liberty Mutual would also make the list of some of the lowest-priced Greensboro, NC car insurance companies.

As the rates illustrate above, if you are a customer of Penn National and switched to Progressive, you might see an annual savings of in the vicinity of $59. Policyholders with Liberty Mutual might save as much as $70 a year, and GEICO insureds might cut rates by $84 a year.

Be aware that those premium estimates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific zip code after a speeding ticket. So the auto insurance company that is most affordable for your situation may not even be in the top 20 companies shown above. That is why you need to quote rates from many companies using your own specific driver and vehicle information.

The vehicle you are trying to insure is probably the most important factor in finding economical coverage after a speeding ticket. Vehicles with limited top-end speed, a great safety record, or a low likelihood of liability claims will cost significantly less to insure than higher performance models. The data below outlines insurance prices for a handful of the more affordable automobiles to insure in North Carolina.

Cheapest Vehicles to Insure in Greensboro, NC
Make and Model Estimated Cost for Full Coverage
Jeep Wrangler Sport 4WD 2-Dr $1,460
Honda CR-V LX 2WD $1,562
Ford Escape XLS 2WD $1,571
Ford F-150 XLT Super Cab 4WD $1,618
Toyota RAV4 Sport 4WD $1,677
Hyundai Elantra SE Touring Station Wagon $1,700
Toyota Prius $1,733
Ford Explorer XLT 4WD $1,840
Chevrolet Malibu LS $1,853
Chevrolet Impala LT $1,863
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,887
Ford Edge SEL AWD $1,908
Toyota Camry Hybrid $1,921
Toyota Camry Hybrid $1,931
Ford Fusion SEL AWD 4-Dr Sedan $1,923
Volkswagen Jetta 2.0T Station Wagon $1,937
Chevrolet Equinox LS 2WD $1,946
Jeep Grand Cherokee Laredo 2WD $1,956
Dodge Grand Caravan Hero $1,946
Toyota Corolla LE $1,953
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Table data assumes single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in vehicle location which can revise prices significantly.

Looking at the rates, makes and models like the Jeep Wrangler, Honda CR-V, and Ford Escape are most likely going to be a few of the less-costly vehicles to insure after a few driving violations.

Insuring your vehicle with the best insurance provider can be a challenge considering how many different companies insure vehicles in North Carolina. The ranking data below can help you analyze which providers you want to consider shopping prices with.

These rankings are only made up of the largest companies in the United States, so companies that have a smaller presence are not factored into these rankings. If you wish to compare rates from these and other companies in North Carolina, click here.

Best 15 Insurance Companies After a Speeding Ticket in North Carolina
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
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Data Source: Insure.com Best Car Insurance Companies

Types of discounts on Greensboro auto insurance rates

Insurance after a few driving violations in Greensboro, NCCar insurance companies that offer coverage after a speeding ticket may also offer discounts that may potentially lower prices by 30% or more if you qualify for them. A few popular companies and their offered discounts are included below.

The illustration below shows the comparison of insurance rates with and without discounts. The information is based on a female driver, one violation and no accidents, North Carolina state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with anti-theft, continuous coverage, homeowner, multiple policy, vehicle safety, and marriage discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on insurance after a speeding ticket is 28% or $385.

Impact of violations and accidents on rates

The best way to snag low insurance prices in Greensboro after a few driving violations is to pay attention while driving and not get tickets or have accidents. The example below demonstrates how citations and accidents increase premium costs for different insured age categories. The rate quotes are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

The data above shows the average cost of an auto insurance policy in Greensboro per year with a clean driving record and no accidents is $911. Get written up for two speeding tickets and the average cost surges to $1,287, an increase of $376 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of insurance after a speeding ticket increases to an average of $2,755. That’s an increase of $1,844, or $154 per month, just for being a little careless behind the wheel!

How to find the cheapest insurance after a speeding ticket

Below you’ll find many penny-pinching solutions that can help you buy more affordable coverage.

That last piece of advice is incredibly important, as we discussed in this article. Prices charged by companies can change significantly in a year, so don’t be hesitant to switch carriers if a more affordable rate is found.

Brand loyalty is great, but it’s not a good idea if your bullheadedness ends up costing you several hundred dollars every year. Take a couple minutes and compare prices and find cheaper auto insurance after a speeding ticket in Greensboro.