How Traffic Violations Impact Your Auto Insurance Rates

Getting a traffic ticket isn’t just inconvenient, it can also lead to unexpected increases in your auto insurance premiums. Discover how violations impact your rates and what steps you can take to reduce the financial fallout

How Much Will Your Premium Increase After a Violation?

An increase in your auto insurance premium following a violation often depends on your state and your personal driving history. In California for example, a violation can lead to a noticeable rate hike and may also result in the loss of safe driver discounts.

Insurers typically consider several factors when determining how much to raise your premium, including:

• Whether it’s your first offense
• The location of the violation
• How long it’s been since your last infraction
• How far over the speed limit you were driving

What Types of Traffic Violations May Affect Your Rates the Most?

Not all traffic violations carry the same weight when it comes to your insurance rates. Some offenses are considered more severe and can lead to significant premium increases. Depending on your insurer, the following violations are among the most likely to have the biggest impact:

• Driving under the influence of alcohol or drugs
• Leaving the scene of an accident (e.g., hit and run)
• Refusing to submit to a breathalyzer test
• Driving in a reckless or aggressive manner
• Driving with a suspended or revoked license

How to Avoid a Higher Premium After a Violation

Unless the offense is serious, getting a ticket doesn’t necessarily mean your driving record will be permanently affected. Fortunately, there are ways to potentially avoid a premium increase after a violation. These may include:

• Contesting the ticket—If it’s your first offense, you may be able to challenge the ticket in court. Some insurers may also be more lenient with first-time violations.
• Shopping for new coverage—If your current insurer raises your premium, consider comparing quotes from other providers to find a more competitive rate.
• Maintaining a clean driving record—Avoid additional violations to demonstrate responsible driving. Over time, a clean record may help you qualify for discounts or lower rates.

Contact Rich Toreson Insurance Agency Inc today for a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.