How Speeding Tickets And Other Minor Felonies Affect Car Insurance Rates

All drivers want to get the cheapest car insurance on the market, but this is not possible if you do not a clean driving record. Find out how speeding tickets and other minor felonies affect car insurance rates.  The most common major violations that guarantee a rate increase:

  • finnish-police-enforce-breath-testDUI or other impaired driving
  • Refusing breath or blood test for impairment
  • Reckless driving (this may include major speeding violations in some states)
  • Failure to stop after an accident
  • Fleeing from police
  • Racing
  • Driving on a suspended license

If you have a clean record, the minor violations listed below might not bring a rate increase. But if you already have a minor violation on your driving record, it’s much more likely the second one will bring a rate increase.

Some violations, such as no proof of insurance or not carrying your driver’s license, are typically correctable if you show proof to the court, which then dismisses them. If you don’t provide evidence, the violation would go on your record.

  • Speeding
  • Texting (in states where texting is a moving violation)
  • Failure to yield
  • Improper passing
  • Improper turn
  • Following too closely
  • Driving without insurance or no proof of insurance
  • Passing a school bus (some companies consider this a major violation)
  • Expired or missing driver’s license
  • Child-seat violations

Many violations are not typically considered rating factors and thus are unlikely to affect your premiums, such as:

  • Seat-belt tickets
  • Texting and cellphone violations (in states where they are not a moving violation)
  • Equipment violations such as broken lights
  • Failure to display license plates
  • Noise violations
  • Parking violations
  • Registration violations
  • Failure-to-appear violations

Based on more than 400.000 quotes and reports, here’s how much common infractions will affect your rates, on average:

  1. Reckless driving: 22 percent
  2. DUI first offense:  19 percent
  3. Driving without a license or permit:  18 percent
  4. Careless driving:  16 percent
  5. Speeding 30 mph over the limit: 15 percent
  6. Failure to stop:  15 percent
  7. Improper turn:  14 percent
  8. Improper passing:  14 percent
  9. Following too close/tailgating: 13 percent
  10. Speeding 15 to 29 mph over limit: 12 percent
  11. Speeding 1 to 14 mph over limit: 11 percent
  12. Failure to yield: 9 percent
  13. No car insurance: 6 percent
  14. Seat belt infractions: 3 percent

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