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What Tickets Affect Your Insurance? Everything You Need to Know!

Have you ever got into an accident or received a ticket while driving? And then wondered how it will affect your car insurance? It can be frustrating to see your insurance rates increase because of a single mistake or violation. But understanding which tickets affect your insurance and how can help you avoid them in the future.In this blog post, we will discuss different types of tickets and violations that can impact your auto insurance rates.

Speeding Tickets

One of the most common types of tickets is a speeding ticket. If you were caught driving above the speed limit, you may have to pay a fine and receive points on your driving record. These points can have a direct impact on your insurance rates. The more points you have, the higher your rates will be. If you receive multiple speeding tickets, your insurance company may even opt to increase your rates or drop your policy.

Reckless Driving

Reckless driving is a serious offense that can put you and other drivers on the road at risk. It includes driving under the influence of drugs or alcohol, driving above the speed limit, and driving in a way that endangers other people or property. If you get a reckless driving ticket, it’s likely to affect your insurance rates for the next several years. Depending on your insurance company, your premiums may increase by up to 30 percent.

At-Fault Accidents

If you’re found at-fault for an accident, you’re likely to see an increase in your insurance rates. This is because insurance companies view at-fault accidents as a sign of risky driving behavior. The severity of the accident and the amount of damage caused will also factor into how much your rates increase. With some insurance companies, your rates may go up by as much as 60 percent. If you’re involved in an accident, it’s essential to notify your insurance company immediately.

Driving Without Insurance

Driving without insurance is illegal and can result in hefty fines, a suspended license, and even imprisonment. If you’re caught driving without insurance, you’re also likely to see an increase in your insurance rates. Insurance companies consider uninsured drivers high-risk, which usually means higher premiums. Depending on the state in which you live, your rates may double, or even triple, if you’re caught driving without insurance.

Driving Under the Influence

Driving under the influence is a severe offense that can have severe consequences. It puts you and other drivers on the road in danger and could result in a loss of life or property. If convicted of driving under the influence, your insurance rates are likely to increase significantly. Some insurance companies may even refuse to offer coverage to drivers convicted of driving under the influence. The amount of increase in rates usually depends on the severity of the offense and the insurance company.


In conclusion, there are several types of tickets and violations that can impact your auto insurance rates. It’s essential to understand the consequences of each type of ticket or violation and how it can affect your rates. If you’re looking for ways to keep your insurance rates low, it’s crucial to drive safely, follow traffic rules, and avoid getting ticketed for any violations.While insurance rate increases may seem like an inconvenience, they are necessary to encourage safer driving habits and protect other drivers on the road. Be sure always to be aware of your driving habits and the impact they can have on your insurance rates.