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How Much Does a Traffic Violation Affect Insurance?

If you receive a traffic violation, one of your concerns could be how much it will affect your car insurance premiums. Insurance companies typically view traffic violations as a sign of risky driving behavior, which can increase the likelihood of an accident. Because of this, a traffic violation can lead to an increase in your insurance rates. But, how much will your rates go up? In this article, we will explore the answer to this question.

Types of Traffic Violations That Affect Insurance

Different traffic violations have varying degrees of impact on car insurance rates. Some traffic violations that have the most significant impact on rates include:- Reckless driving- Driving under the influence (DUI)- Speeding- Running a red light or stop sign- At-fault accidents- Driving without insurance or with a suspended licenseIf you have received one of these types of traffic violations, your insurance rates are likely to increase significantly. The cost of your premium will depend on several factors, such as the type of violation, your driving record, and the insurance company you use.

How Much Will Your Rates Increase?

According to the Insurance Information Institute, the average increase in insurance premiums for a traffic violation is around 20 to 30 percent. This increase can vary depending on several factors, including the type of violation, your age, and your driving history.For example, if you are a young driver with a history of reckless driving and you receive a speeding ticket, your insurance rates may increase by 50 percent or more. On the other hand, if you have a clean driving record and receive a minor traffic violation, such as a seat belt ticket, your rates may only increase slightly or not at all.

How Long Will the Increase Last?

The duration of the increase in your rates will depend on the severity of the violation and your driving record. In most cases, the increase will last for three to five years. However, if you receive a more severe violation, such as a DUI or reckless driving, the increase may last for up to 10 years.

How to Avoid an Insurance Rate Increase

If you want to avoid an increase in your insurance rates due to a traffic violation, you have a few options. First, you can contest the ticket in court. The outcome of your case may result in a reduced charge or a dismissal, which will prevent your rates from increasing.Another option is to take a defensive driving course. Many insurance companies offer discounts to drivers who take these courses, and in some cases, completing the course can result in the traffic violation being removed from your driving record.Finally, you can shop around for a new insurance company. Different insurance companies have varying policies when it comes to traffic violations, and you may be able to find a company that will not increase your rates as much as your current company.


In conclusion, a traffic violation can have a significant impact on your insurance rates. The severity of the violation, your driving record, and the insurance company you use will all impact the cost of your premium. To avoid an increase in rates, you can contest the ticket in court, take a defensive driving course, or shop around for a new insurance company. It’s essential to be aware of the potential increase in rates before you decide to engage in risky driving behavior.