Top 5 Traffic Violations

Most Expensive Traffic Violations

Here are the five traffic violations that are going to cost you the most.

#5. Careless Driving.

Average post-violation increase to auto insurance premium: 27%

Careless Driving is generally defined as disregarding the rules of the road, but without intentional disregard. Violations such as lane drifting or falling asleep while driving may fall under the category of careless driving. It is ordinarily a lesser violation than reckless driving, but some states make little-to-no differentiation between the two. But being ticketed for careless driving will hurt; the average premium bump on auto insurance is +27%.

#4. Speeding +16 Over Posted Limit.

Average post-violation increase to auto insurance premium: 28%

Speeding increases safety risks for you and others on the road. If you get ticketed for exceeding the posted speed limit by 16 mph or more, expect your auto insurance company to find out about it, and plan on a +28% increase in your car insurance premiums.

#3. Speeding +31 Over Posted Limit.

Average post-violation increase to auto insurance premium: 29%

If you get ticketed for exceeding the posted speed limit by 31 mph or more, in addition to possibly being arrested and having your automobile impounded, you’ll see, on average a +29% increase in your car insurance premiums.

#2. Reckless Driving.

Average post-violation increase to auto insurance premium: 85%

Reckless Driving is the term given to drivers who show deliberate disregard for driving rules. It is a major moving traffic violation that is often accompanied by heavy fines, the suspension of revocation of a driver’s license, and likely arrest and jail time. If you manage to keep your license, expect an 85% increase in your car insurance rates – assuming your insurance company keeps you.

#1. Driving While Intoxicated / Driving Under the Influence.

Average post-violation increase to auto insurance premium: 94%

If an arresting officer believes you are too impaired to drive safely, due to alcohol and/or drugs, or later determines that you were too impaired to drive safely, you may be arrested and face severe legal consequences. While penalties differ by state, they often include the suspension of your driver’s license, fines, fees, jail time, the installation of an ignition interlock device, and the purchase of much more expensive automobile insurance coverage. A DWI / DUI violation will typically double your auto insurance premiums.

Whether your driving record is squeaky-clean or if you have some violations on it, it is very important to talk with an experienced insurance agent so you can be sure you have the appropriate coverage at the appropriate price. Don’t make assumptions on your own – let’s have a face-to-face conversation about your needs.