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Proceed with caution! Minor driving infractions will hike your car insurance

SAN FRANCISCO (April 12, 2016)—Today insuranceQuotes released its third annual Moving Violations report. The new data shows that while serious violations—such as driving under the influence and reckless driving—understandably cause car insurance rates to spike, minor violations hurt consumers’ finances as well.

Highlights from the report include:

Drivers who receive a minor speeding violation (1-15 mph over the legal limit) pay an average of 21% more for car insurance.

Other fairly minor violations that also carry high financial penalties include following too closely (19% increase), failure to signal (19% increase), and improperly driving in a car pool lane (18% increase).

The most expensive violations are DUIs (94% increase) and reckless driving (85% increase). The least expensive is not wearing a seat belt (6% increase).

 Rate increases differ from state to state. For instance, Hawaii has a shockingly high 290.68% rate increase for reckless driving; whereas if you live in Louisiana, reckless driving leads to a 29.28% increase. The below chart details the top ten states with the highest rate increases for moving violations (find the results for all 50 states in the full article).

Moving violation rate increase by state

The report also includes tips from insuranceQuotes analysts on how to save money once you’ve been dealt a moving violation, such as seeking forgiveness from auto insurers for a first time minor infraction, making a deal at traffic court, and even shopping around for a new car insurance policy to find a cheaper alternative.

"Even though rates typically go up for several years after you receive a moving violation, there are ways drivers can save money. Taking a defensive driving course to remove points from your record is a smart strategy," says Laura Adams, senior analyst at insuranceQuotes.

Many of these courses are offered online and can be completed in just a few hours,” Adams says. "You can also enroll in a pay-as-you-drive insurance program, which gives discounts when you demonstrate safe driving behavior."

Full results of the report are available at:

As a complement to the study, insuranceQuotes hosts a Traffic Tickets and Car Insurance Calculator—which shows how 17 different violations affect rates across the country—available at


insuranceQuotes and Quadrant Information Services calculated the economic impact of 17 common moving violations using data from the largest carriers (representing 60-70% of market share) in each state and Washington, D.C.

About insuranceQuotes: provides consumers with a free, easy way to shop for and compare insurance quotes online for auto, home, health, life and business policies. Follow insuranceQuotes on Facebook, Twitter, YouTube, Instagram and Google Plus

How Traffic Tickets Affect Auto Insurance Rates

Wondering how traffic moving violations affect insurance rates? Find out now.

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