How Traffic Tickets Affect Your Insurance Rates

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If you get a ticket, you need to take two actions immediately:

  1. Take a defensive driving or traffic school course
    This will help take care of the ticket situation and can keep your insurance company from raising your rates
  2. Get an insurance quote to make sure you’re not already paying too much
    Look, nobody likes getting a ticket. But you might as well take the opportunity to see if there are providers out there who can save you money – and it couldn’t be easier to do right now: just enter your ZIP code above to get a list of insurance providers who want you to save money. It doesn’t cost you a thing!

Why You Need to Get an Insurance Quote

Your insurance company looks at a lot of factors when determining what to charge you for insurance. Every company is different, and every company will view you differently, and that’s why you owe it to yourself to get a free quote. To get started, just enter your ZIP code above.

The number of traffic tickets you have will play a large role in your insurance rate. It also matters what type of traffic violations they are. A clean driving record will get the best rates, but not everyone has a totally clean driving record. If you have recently received a ticket, there will more than likely be some consequences that will show up in the form of higher insurance payments.

Now more than ever, insurance companies try to help those with several points on their licenses so they don’t have to pay super high premiums, so don’t worry too much. Your rates will be higher, but with so many insurance companies available to choose from, you have a good chance of paying lower rates than you would have decades ago. You can shop for a new insurance provider at any time, just by entering your ZIP code above.

What Do Insurance Companies Look At When Determining Rates?

Insurance companies handle traffic tickets many different ways so if you are already signed up with an insurance company and then you get a traffic ticket, there can be as much as a 22% increase in your premiums depending on what the ticket was for. This will depend on several factors including:

  • Is this a first offense?
  • What type of traffic violation is it?
  • How many tickets have you had?
  • How long has it been since you last received a ticket?
  • Your age and driving experience

Common Rate Increases by Traffic Violation

We have provided you with a list that can give you an idea of how your insurance rates will be affected by a traffic ticket. Keep in mind that these are not written in stone numbers, they are just general guidelines that are common among different companies. Your own insurance company’s individual policies will determine just how much your rates will go up or if they will go up at all, which is why it’s always a good idea to shop around for a better deal. You can get started for free by entering your ZIP code, above.

  • Driving without a valid drivers license: This can lead to an increase of as much as 18%
  • DUI, first offense: This can raise your rates by 19% (for a first offense)
  • Speeding: Speeding rate increases will depend on how many miles over the speed limit you were traveling. Speeding tickets are broken into three levels:
    1. 1 – 14 miles per hour over the speed limit: Can be in the 11% +/- range
    2. 15 – 29 miles per hour over the speed limit: Your increase could be 12% +/-
    3. 30 miles per hour or more over the speed limit: Increase can be 15% or higher
  • Improper turns: Can cause an increase of around 14%
  • Passing improperly: An improper passing ticket can result in a 14% +/- increase
  • Failure to stop: This ticket can cause an increase of 15A% +/-
  • Careless driving: This ticket has a cost of about 16% +/- when it comes to your insurance premiums
  • If you get a high-level offense, insurance rates can go up as much as 20% to 40% which is a staggering increase in your cost

Of course, the best way to avoid expensive insurance rates is to keep your driving record clean but if you already have tickets on your record or you get a new one, take heart that it will go down eventually as long as there are no re-occurrences.

You might even be able to negotiate a lower rate by agreeing to go to a traffic school or defensive driving course online. Traffic tickets are never fun but they are common, so if it happens to you, do your best to find the best rates you can or possibly negotiate with your current provider to get a lower rate increase than they normally would apply. Make sure you’ve explored all your options, too: another provider may offer better rates. Just enter your ZIP code above to find out!