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 home? Unfortunately, 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.