Traffic Violations That Will Increase Your Insurance Rates

NYPD police car at traffic intersection
Image by Thomas Geider from Pixabay

You look in the rearview mirror and you see flashing lights. You pull over, hoping the police car goes by, but it pulls in right behind you. You’re most likely going to get a ticket. At this point you’re probably not thinking about how the answer to the question “Do you know why I pulled you over?” will impact your insurance rates. The next time you get the premium bill, it will though.

Safe driving records help drivers keep their insurance rated affordable. However, even the smallest traffic infraction can cause an uptick in insurance premiums. So, it’s wise for drivers to avoid the following traffic violations:


Drivers that are convicted of speeding can see an increase of about $340 a year on average to their premiums.

Cell Phone Use While Driving

It’s distracting and dangerous. Plus, it can add an average of about $290 a year to your insurance premiums. The text can wait.

Drunk, Buzzed, or Drugged Driving

This is a conviction that will bring severe punishment with it. This includes the possibility of prison time. Additionally, insurance premiums will go up about $1,000 a year. This rate will not be changed for a period between three and ten years.

Car Accident – You’re At Fault

Accidents that you’re found responsible for increase your insurance rates roughly about $600 more on your annual bill.

Car Accident – You’re Not At Fault

Accidents you’re in that you’re not responsible for can also cause increased insurance rates. It happens if you file a claim for damage or injury. Look for your rates to go up an average of $100.

Click It Or Get A Ticket

Not wearing your seatbelt? It’s a common traffic violation. When your insurance company learns about the ticket, expect your rates to increase.

Running A Red Light/Not Stopping At A Stop Sign

You run the red light, you’re not just risking getting into an accident, you’ll get fined and get points on your license. And, to top it all off, you’ll also see an annual premium increase over $300 on average.

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