Will a Traffic Ticket Result in Higher Car Insurance Premiums?

Will a Traffic Ticket Result in Higher Car Insurance Premiums?

One of the biggest concerns some drivers have is wondering if getting a traffic ticket will likely lead to an automobile insurance rate increase. The good news is that no, not every citation will result in a higher premium. The reality is, traffic tickets are treated differently depending on their severity. It is much like how the state or locality you live in treats citations.

For example, what are referred to as non-moving violations (like parking tickets) are minor and will rarely, if ever, result in higher car insurance premiums. These are usually inexpensive to resolve and are inconsequential when it comes to auto insurance rates.

Moving violations are another story. Relatively minor infractions like minimal speeding infractions or not fully stopping at a stop sign may not immediately impact rates. However, when they build points on your driving record, it could eventually lead to higher auto insurance premiums. Speeding, especially when excessive, can lead to a charge of reckless operation, and now you are heading into higher insurance premium territory. There is a big difference, for example, between a citation for going 41 in a 35 mph zone and getting a ticket for going 82 in a 55 mph zone.

Now,  where you are getting into an area where higher insurance rates are likely is in instances where you are cited in an at-fault accident, especially if there were injuries involved. If alcohol is involved and injuries occur, higher insurance rates may be the least of your problems. Injury accidents involving an impaired driver may lead to license suspension, large fines, and even result in jail time.

Like many things in life, auto insurance rate increases are relative to the situation involved. There is no need to fear a minor issue, but be prepared for the consequences of more serious violations. It is hard to argue the logic behind the thinking.

If you feel your auto insurance rates are getting a bit too high, especially if there doesn’t appear to be a logical reason for the increase, contact us. As independent insurance agents, we are qualified to research multiple companies in search of auto insurance rates you can afford, without increasing risks unnecessarily. Contact us to get the help you need today!


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Using Your Smartphone to Enhance Your Life

Get More From Your Smartphone with These Life Enhancing Ideas

What You May Not Know About Electric Vehicles

If You Haven’t Been Keeping Up, Electric Cars Are Coming Into Their Own

What You Should Know About College Living Spaces

There are More Off-Campus Living Choices Than Ever

Things You May Not Know About Radio

You May Listen Almost Every Day and Still Not Know These

The Dramatically Changing Workplace

It Seems to Have Happened So Fast, Didn’t It?

Life’s Important Numbers

Not Including Your IQ, These Numbers Could Impact Your Life Most

Want an SUV? Could It Be a Porsche?

You Can Still Get a Porsche Even if You Are Committed to an SUV

Five Surprisingly Easy Home DIY Projects

Try These Confidence-Building DIY Projects

The Humble Little Red Wagon

It was Known as the Radio Flyer Red Wagon and There was Nothing Like It

Special Events Insurance

Is There a Bounce House in Your Future Promotional Plans?