How Traffic Violations Impact Your Auto Insurance

Your driving record significantly affects how your auto insurance premiums are calculated. While many drivers focus on coverage options and deductibles, the impact of traffic violations is often underestimated.

The Link Between Violations and Premiums

Auto insurance companies use a variety of factors to determine your premium, and your driving history is one of the most influential. Traffic violations are seen as indicators of risk. The more violations on record, the more likely you are to be involved in an accident, statistically speaking. As a result, insurers may adjust your rates to reflect that increased risk.

Minor infractions like a single speeding ticket may not cause a dramatic increase, especially if you have an otherwise clean record. However, repeated offenses or more serious violations can lead to significant premium hikes. In some cases, your policy could be non-renewed or canceled.

Types of Violations and Their Impact

Not all violations are treated equally. Here’s a breakdown of how different types of infractions can affect your insurance:

• Speeding tickets are a common violation, but their impact varies. Going a few miles over the limit may have a smaller effect than excessive speeding.

• Distracted driving is increasingly penalized by insurers due to the high risk it poses.

• Reckless driving can lead to steep premium increases and may require you to obtain high-risk insurance.

• Driving under the influence can lead to license suspension, mandatory SR-22 filing and higher premiums.

• At-fault accidents often increase rates, especially if combined with other infractions.

Learn More

Contact Choice Insurance Agency to discuss how your driving record may influence your rates and get a 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.