Finding the right car insurance can be challenging, especially for drivers with traffic violations. In California, certain insurance companies are more accommodating to those with a record of accidents or tickets. Here are some of the best car insurance companies for drivers with traffic violations in the Golden State.
1. Geico
Geico is known for its competitive rates and excellent customer service. They offer various discounts that can help reduce premiums for drivers with traffic violations. Geico also provides an online tool to assist drivers in easily comparing quotes and understanding policy options, making it a popular choice for many California residents.
2. Progressive
Progressive is another standout option, especially for those with a less-than-perfect driving record. Their "Name Your Price" tool allows drivers to customize coverage options according to their budget. Progressive is committed to helping drivers find affordable premiums, even if they have had past incidents on the road.
3. State Farm
State Farm is one of the largest insurers in the United States and offers a variety of plans suited for high-risk drivers. Their Drive Safe & Save program rewards safe driving habits, potentially lowering rates for those who improve their driving behavior after a violation. Additionally, State Farm is known for its personalized customer service.
4. Allstate
Allstate is known for its extensive resources available to policyholders. For drivers with traffic violations, Allstate provides the accident forgiveness option, which can be beneficial after a first accident. Their rewards program encourages safe driving, and their knowledgeable agents can guide you through the available options tailored to your situation.
5. Mercury Insurance
Mercury Insurance is particularly focused on the California market and offers coverage options for high-risk drivers. They pride themselves on providing competitive rates and personalized service. Mercury’s unique approach to underwriting allows them to cater to drivers with violations, ensuring they can still find affordable insurance.
6. Farmers Insurance
Farmers Insurance offers flexible coverage options and is known for its willingness to work with drivers who have past traffic violations. They provide various discounts that can assist in lowering costs, and their agents can assist in tailoring a plan that meets individual needs.
7. USAA
For military members and their families, USAA offers some of the best rates available, even for drivers with violations. Their excellent customer service and commitment to their members make USAA a top choice for those who qualify. They provide tailored options that consider your driving record and provide support throughout the claims process.
When looking for car insurance as a driver with traffic violations in California, it is important to compare quotes from different providers. Each company evaluates risk differently, and what works for one driver may not work for another. Be sure to inquire about discounts, flexible payment options, and specialized programs designed to support high-risk drivers to find the best coverage for your needs.
