Traffic Violations Increase Car Insurance Rates
It’s a well-known fact that a moving violation ticket is going to negatively influence your auto insurance premium. What may surprise some drivers, however, is just how financially significant certain traffic violations can be. For the fourth consecutive year, studies commissioned to the Quadrant Information Services study that found car insurance premiums can increase with as much as 96 percent after a single moving violation on average nationwide. Find out more about traffic violations impact on your premiums and get free auto quotes online to compare prices.
One conviction for driving under the influence (DUI) — also known as driving while intoxicated, or DWI will result in a national average premium increase of 96 percent (up from 94 percent in 2016). A small violation, for example not wearing a seatbelt only results in a 7 percent average premium spike. Although the numbers may seem huge, the insurer explain that violations like DUI denote a risky behavior, thus making the driver risky to insure.
Not being to the first offense will also aggravate things. Let’s take for example, the case in which a driver is charged for reckless driving, which the study found out is penalized with a 88% increase. According to the National Association of Insurance Commissioners (NAIC), the average annual U.S. auto insurance premium is $866. That means an 88 percent premium spike for one reckless driving offense will result in an increase of just more than $750 per year. And if you have two reckless driving tickets in your record, you’ll be looking at a premium increase of 173 percent or almost $1,500 per year.
If you commit a traffic violation, the impact on your auto insurance premium will vary depending on where you live. For instance, a first-time DUI conviction in North Carolina will result in an average premium increase of 298 percent (in Hawaii it’s 209 percent, 187 percent in California, and 165 percent in Michigan). Meanwhile, the same violation in Maryland will only result in an average premium increase of 21 percent.
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