Find out the average percentage increase to your auto rate for 18 common violations.
Jan. 9, 2019 (Foster City, CA) – A traffic ticket isn’t just a fine. It can also raise your auto insurance rates.
“Most drivers realize a ticket will raise their car insurance rates, but few have an idea of by how much, and won’t find out until their policy renewal,” says Penny Gusner, consumer analyst for Insurance.com. “Our ticket calculator lets you find out the average increase, so you know what to expect.”
Our analysis reveals that drunken driving is the most expensive violation among the infractions we surveyed, with an average rate increase of 79 percent. That’s followed by reckless driving, drag racing and speeding 30 miles over the limit.
Our analysis reveals that drunken driving is the most expensive violation among the infractions we surveyed, with an average rate increase of 79 percent. That’s followed by reckless driving, drag racing and speeding 30 miles over the limit.
Based on Insurance.com's analysis of rates, here's how much the common tickets will impact your rates, on average:
Violation |
Percent increase |
|
DUI/DWI first offense |
79% |
|
Reckless driving |
73% |
|
Operating a vehicle in a race (highway racing) |
71% |
|
Speeding 30+ over limit |
30% |
|
Careless driving |
26% |
|
Texting-while-driving |
23% |
|
Distracted driving |
22% |
|
Speeding 16-29 MPH over limit |
22% |
|
Improper/illegal pass |
20% |
|
Speeding 1-15 MPH over limit |
20% |
|
Following too closely |
20% |
|
Improper turn |
20% |
|
Failure to yield |
20% |
|
Failure to stop |
19% |
|
Talking on cell phone |
16% |
|
Driving without a license or permit |
12% |
|
Driving without insurance |
10% |
|
Seat belt infraction |
3% |
Even if you’ve been ticketed, you can still save on car insurance by comparing rates. For example, the average driver can save about $800 comparison shopping after a speeding violation, Insurance.com data show.
“Insurance companies assess risk differently, so the price for a policy can differ by hundreds of dollars,” says Gusner. “It pays to comparison shop, at least upon renewal time, but especially after a ticket.”
See the full article and methodology here: “Ticket? How much auto insurance increases for 18 driving violations" at https://www.insurance.com/auto-insurance/traffic-ticket-calculator.aspx
About Insurance.com:
Insurance.com is a trusted online resource dedicated to educating consumers on auto, home, health and life insurance, developing relationships directly with carriers to offer consumers comparison rates from multiple companies. Since 2001, Insurance.com’s industry-first online tools, data-based reporting and experienced experts have helped consumers make informed insurance-related decisions, so they can choose the right insurance for their individual needs.
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Press contact:
Michelle Megna
MichelleM@quinstreet.com
Or
Liberty Communications for QuinStreet
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