Top 5 Traffic Tickets That Affect You Car Insurance Rates

Getting a traffic ticket isn’t just an inconvenience and a costly fine – getting just one ticket can also significantly increase your car insurance premium. A recent insuranceQuotes survey found that 1 in 5 American drivers received at least one traffic ticket for a moving violation in the past 5 years, with speeding being the main offense.  

Here are the national average premium increases for getting 5 types of traffic tickets from lowest to highest. 

Number 5: Not wearing a seat belt (6%) 

Getting cited for forgetting to belt up will result in a 6 percent increase in your premium.  

Number 4: Driving without a license (16%) 

Left your license at homeUnfortunately, a traffic cop won’t be very forgiving 

Getting a ticket for driving without a license will raise your rate by 16 percent.  

Number 3: Failure to yield (19%) 

A ticket for failing to yield the right of way to another driver will hike up your insurance premium by 19 percent.  

Number 2 Failure to stop (19%) 

It may be tempting to run that stop sign--but if you’re caught, you might see a rate increase of 19 percent.  

Number 1: The most expensive traffic ticket is speeding 1 to 15 miles per hour over the limit (21%) 

You might be surprised that you don’t have to be speeding 30 miles per hour over the limit – just one ticket for going up to 15 miles per hour over the limit can kick up your rate by 21 percent. This can happen regardless of whether or not you accrue points on your license or if you take a driving course. The moral of the story: don't speed. 

Expert Blog

Laura Adams is a personal finance expert, award-winning author, and consumer advocate. As Senior Insurance Analyst, she represents insuranceQuotes in the media and works to make sure consumers protect their financial futures by having the right kinds of insurance.

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