How much does car insurance go up with a ticket?
According to an analysis of more than 490,000 car insurance policy quotes, your car insurance premiums can increase as much as 22 percent, depending on why you were issued a ticket. Reckless driving tends to be at the higher end of rate increases, followed by driving under the influence (DUI) tickets at 19 percent, driving without a license at 18 percent, and careless driving at 16 percent.
Depending on your driving history, you could face a higher or lower insurance premium increase after getting a ticket. Other factors that could affect your rates are your marital status, age, and gender.
Moving vs. Nonmoving Violations
Moving violations carry a higher penalty than nonmoving violations. Nonmoving violations include parking tickets and other fix-it tickets, also known as correctible violations, such as cracked or broken headlights or tail lights. These violations may not increase your rate at all. Moving violations, such as reckless driving or a DUI, may increase your rate significantly. Violations add a different amount of points to your driving records, and the more points added, the more your insurance rate increases.
Within the larger category of moving violations are minor moving violations, which include seat belt violations, improper turns, and disobeying traffic lights. Then there are major moving violations, such as DUI, hit-and-run, and vehicular manslaughter. While most moving violations are minor infractions within the jurisdiction of traffic courts, misdemeanor and felony violations are more severe and may be tried in criminal court. These can result in loss of driving privileges and sometimes imprisonment. Each state has its own rules for the severity of violations, all of which can impact your car insurance in different ways.
After You Receive the Ticket
After you receive a ticket, you may want to contest it in court, particularly if you feel it is undeserved. Your insurance only increases if you receive a conviction for the violation. You may also be able to keep the violation off of your driving record if you pay your fines on minor violations promptly. In some states, the violation only appears on your record until you fulfill the terms of the ticket, and then the violation is removed.
If you own up to the ticket or receive a conviction, your insurance company usually increases your rate at the beginning of your next renewal period. If you receive a ticket in the middle of a term, you might not see an increase until the next term.
Each state and insurance company is different, so find out how much your insurance rate may go up in your particular situation by calling an insurance expert. You also need to figure out the length of time this moving violation might increase your rate, which depends on the state, provider, and severity of the violation.
…car insurance premiums can increase as much as 22 percent, depending on why you were issued a ticket.
How to Offset Your Rate Increase
You can offset your increased insurance rates in a few different ways. Some violations make provisions for attending traffic school or taking defensive driving classes. These demonstrate that you are committed to being a better driver and thus may result in either the violation being removed or receiving less points for it on your record.
You can consider raising your deductible for comprehensive and collision coverage. However, you are at higher risk if you get in an at-fault accident and have to come out of pocket for your own repairs and medical costs. Increasing your deductibles from $250 to $500 may decrease parts of your insurance rates by about 30 percent.
Other ways to offset your increased rate include installing a security system in your car or bundling your home and car insurance policies with the same provider. You may also consider installing telematics, which is a computer that tracks your driving habits and reports them to your insurance provider. This could be to your benefit if you don’t get into any more incidents, as your provider may reward safe driving habits with a lower rate.
Finally, maintaining a better driving record from after the point you received the ticket can eventually decrease your rate.
If your car insurance premiums have already increased, you may want to consider shopping for a new car insurance policy. Call a licensed agent today, one that can help you compare car insurance policies to ensure your policy gives you all of the coverage you need without breaking the bank.