14 Traffic Tickets That Can Raise Insurance Rates

By Angela Colley

NEW YORK (MoneyTalksNews) —Getting pulled over is a funny thing. No matter how old you are, you still feel like a teenager behind the wheel when those blue lights come on.

But after you get a ticket and the squad car is pulling away, you have two very adult thoughts: "I wonder how much this is going to cost?" and "Oh no! What is this going to do to my insurance rates?"

In the video below, Money Talks News founder Stacy Johnson has an answer to that question. From reckless driving to not wearing your seat belt, a recent study shows just how much that ticket will raise your insurance rates. Check it out and then read on for what you can do about it.

Tickets and your insurance rates

A study by Insurance.com analyzed 490,000 insurance quotes to figure out how different violations affect your car insurance rates. Here are their findings for 14 different violations:

  • Reckless driving – 22% increase.
  • DUI (first offense) — 19%.
  • Driving without a license – 18%.
  • Careless driving – 16%.
  • Failure to stop – 15%.
  • Driving 30 mph or more over the speed limit – 15%.
  • Improper turn – 14%.
  • Improper pass – 14%.
  • Following too closely – 13%.
  • Driving 15 to 29 mph over the speed limit – 12%.
  • Driving 1 to 14 mph over the speed limit – 11%.
  • Failure to yield – 9%.
  • Driving without insurance – 6%.
  • Seat belt infractions – 3%.

It could be even worse; those are just averages. Your actual rate will depend on a variety of factors, including your age, sex, where you live, your marital status, and how long you've been with your carrier. You can calculate your own results on Insurance.com. It could be even worse; those are just averages. Your actual rate will depend on a variety of factors, including your age, sex, where you live, your marital status, and how long you've been with your carrier. You can calculate your own results on Insurance.com.