How Tickets Impact Car Insurance Rates

Tickets affect your car insurance, potentially raising your rates by $92.17/mo on average. Specific penalties for tickets that affect your car insurance depend on the type of offense committed.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 17, 2020

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Here's what you need to know...

  • All tickets will affect your auto insurance rates whether minor or major
  • Depending on the offense, your rates could skyrocket or raise just a little bit
  • Talk to your insurance agent to see how you can lower your insurance rates after a ticket

If you’ve received a hefty parking ticket and are worried about how tickets will affect your car insurance rates, you are not alone. After the initial ticket fine, the next thought goes to car insurance.

To some extent, all tickets affect your insurance rate. As you know, the coverage premiums are based on driving statistics. Things that you do or don’t do affect your rates.

If you are seen as likely to make a damage claim, then you become a higher risk to the insurance company.

So why not enter your ZIP code right now and find affordable car insurance quotes?

Different Types of Tickets

What types of tickets make you a higher risk driver?

Naturally, there is no absolute answer for every single situation, so it is always best to check with your insurance company on what could affect your rates.

As far as the state and the insurance company are concerned, a simple parking ticket is not a high-risk situation.

However, even if a parking ticket does not increase your premiums, you may still lose discounts on your premiums.

If you previously had a good driver discount, some insurance companies may remove this discount from your policy, since you are now considered a bad driver.

There are a number of different tickets that do affect your rates flat out and these can usually be broken down into a few different categories which are minor and major, not to mention criminal acts.

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Minor Incidents Affect Car Insurance

Minor tickets are only minor infractions of the law. These types of incidents may not cost you much at first.

However, such minor increases can add up over the years.

Remember, minor road incidents like failing to signal or yield, following too closely, and improper turning can affect your rates.

Keep in mind:

  • Speeding Tickets – Speeding is an example of a minor incident that can still cause increases in premiums. Visualize your insurance rates climbing ever higher as your speedometer rises.
  • Buckle Up – Most accidents happen within a few miles of your home, statistically speaking. An increased risk due to familiarity, not to mention an unbuckled seatbelt can cost you big money.

Other minor ticket incidents that can affect your premiums include not yielding the right of way to a pedestrian, not carrying your insurance card with you, not changing lanes correctly, and even driving too slow.

Do not take chances! Stop at every stop sign. Don’t obstruct traffic. Don’t even think of running that red light…not if you don’t want to keep your insurance rates steady!

Major or Criminal Incidents Affect Car Insurance

Major tickets can also affect your insurance rates. What is considered major can vary from state to state.

If you are flying down the road at over 60 miles per hour faster than the set limit you may find yourself with a major ticket and be subject to a major insurance premium hike.

Other road incidents considered major driving offenses might include:

  • Failing to report an accident that happened
  • Driving with no insurance coverage
  • Speeding in a school zone

If you have committed serious or criminal offenses and have received tickets, you may have bigger concerns than your insurance rates.

Serious tickets include:

  • Driving without a license
  • Fleeing the scene of an accident
  • Failing to obey police
  • Drag or street racing

Get a Car Insurance Quote

If you have received a minor, major, or serious ticket recently, then you should talk to your insurance company about your options.

Ask what can be done to lower your rates. Sometimes there are options available, such as taking a defensive driving course.

You can also shop around with other car insurance companies online and compare rates to see if you can find a better deal.

Different insurance companies treat various tickets in different ways, so find a company willing to work with you is the first step.

Instead of worrying about what tickets affect your rates why not compare car insurance quotes right now by entering your ZIP code?



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Enter your ZIP code below to view companies that have cheap car insurance rates.

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