Increase of Auto Insurance Rates After Two Tickets

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Joel Ohman
Founder, CFP®

UPDATED: Jul 7, 2016

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Here's what you need to know...
  • How much your insurance premiums will rise after two tickets depends on your insurance company and the severity of your infraction.
  • If your premiums increase, there are several options that you may be able to take advantage of to bring them back down.
  • If you drive for your livelihood, your tickets could seriously impact your ability to work.

It is possible you could slide by with two tickets without a car insurance rate increase. It all depends on several factors including the state in which you live. Each state has the authority to establish their own system of punishment for traffic violations.

To compare car insurance quotes between preferred insurance carriers, enter your ZIP code now!

Most states use the point system; therefore, the number of points received will depend on the traffic offense. You can receive a speeding ticket for traveling five miles over the speed limit in most states.

Unless you are in a residential zone, most officers will not stop you for traveling that close to the speed limit on a good day.

How much will two tickets increase car insurance rates for the family?


If you receive two tickets that warrant a car insurance rate increase, the family policy will be affected.

Your insurance could increase as much as 50% with the same carrier.

There are some strategies to help deal with this spike in rates:

  • You may be able to spread the impact with a multiple car policy. This is a good strategy if you are starting with a new insurance carrier.
  • A higher deductible could bring the premiums to an affordable rate.
  • Paying your premiums in advance could also decrease premiums as well.
  • Teen safety driving courses may be the ideal move to take the brunt of a rate increase. Teens learn not to text while driving and to be in compliance of the two-person maximum in the car. They also learn how to avoid tickets on their own. At least that’s parents of new drivers’ hope!

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How much will two tickets increase car insurance rates for the business?

When driving is the way you earn a living, it is important to maintain a good driving record. CDL drivers are rated on a yearly basis as opposed to those without a CDL license.

Two speeding tickets for a truck driver carry more points than a person who is not a commercial driver.  Two simple speeding tickets, even in your personal vehicle, could cost you your CDL license.

If you are a business owner, your insurance carrier has probably factored in the risk factor.

If employees are receiving reckless driving tickets, you may have to either take that person off the road or run the risk of having your insurance policy canceled.

Many companies will not hire drivers with more than three points on their driving records.

How much will two tickets increase car insurance rates if you take a class?


Truck drivers may want to consider taking their chances in court considering the consequences of an offense. The state of Virginia, for instance, changed the law to prohibit CDL holders from taking a defensive class or obtaining a deferment to offset points.

For truck drivers, 15 miles over the limit is considered reckless driving.

The average driver may take a class to offset points acquired from a speeding ticket.

If no one was hurt and nothing damaged, you may receive three points. Reckless driving is generally 20 to 25 miles over the speed limit, and may add four points to your record. Many people choose to challenge the offense in court, and some even win their cases.

DUI tickets fall under different circumstances. Many states have adopted zero-tolerance policies when it comes to DUI/DWI.

If you receive a speeding ticket while driving under the influence, it is an automatic reckless driving charge in some states. Mandatory classes are required in addition to surcharges and standard fines.

How much will two tickets increase car insurance rates in the future?

Most points remain on your driving record three years. If you caused bodily or property damage, you nightmare could last longer.

Many states use the National Driver Registry today, and with this technology, states communicate with each other to keep track of your interstate record.

If you receive a speeding ticket in another state, they have the option of reporting the offense to your home state.

If your licensed is suspended, how much will two tickets increase your car insurance rates? Well, your car insurance rates could increase about 50% in addition to the fines you may incur.

Depending on your state and the facts of the offense, you may have to pay a reinstatement fee, attorney’s fees, SR22 fees, and high-risk rates.

You can compare car insurance rates today for FREE, by simply entering your ZIP code here!

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