The Effects of a Traffic Ticket on Your Insurance Rates – and What to Do About It
Got a Traffic Ticket? Get an Insurance Quote
If you get a ticket, you need to take two actions immediately:
- Take a defensive driving / traffic school course
This will help you take care of the ticket situation and can keep your insurance company from raising your rates
- Get an insurance quote from multiple carriers to make sure you're getting the best rate.
Look, nobody likes getting a ticket. It will probably cause an increase in your insurance premiums. Take this opportunity to see if there are providers who will offer you a better price. This 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. The path to savings is easy!
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 investigate different insurance companies every 6 months. To get started, just enter your ZIP code above.
There are many factors that play a role in your insurance rates. 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, it's more than likely that there will be some consequences, including higher insurance payments.
What Do Insurance Companies Look At When Determining Rates?
Insurance companies handle traffic tickets in many different ways. If you get a traffic ticket, there may be a substantial increase in your premiums, depending on what the ticket was for. Increases are determined by several factors, including:
- Whether it is a first offense
- What type of traffic violation it is
- How many tickets you have had
- How long it has 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 help give you an idea of how your insurance rates will be affected by a traffic ticket. Keep in mind that these are 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.
- 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%
- 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 - 14 miles per hour over the speed limit: Can be in the 11% range
- 15 - 29 miles per hour over the speed limit: Your increase could be around 12%
- 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 can cost another 16% on 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. If you already have a ticket on your record or if you get a new one, take heart that your rates 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 take a traffic school or defensive driving course online. Traffic tickets are never fun, but they are common. If you happen to get one, do your best to find the best rates you can or possibly negotiate with your current provider to get a lower rate. Make sure you've explored all your options, too: another provider may offer better rates. Start the process above to find out!