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Speeding can cost you more than just the price of the t... Speeding can cost you more than just the price of the ticket (Getty Images).
Serious violations such as drunk driving and driving recklessly, understandably lead to higher car insurance rates. Even lesser infractions, such as minor speeding violations, can result in higher premiums, according to a new study from insuranceQuotes.com.

The findings of the study, which are based on a 45-year-old married woman with a clean driving record, further demonstrate how poor driving habits can quickly become a financial burden. Car insurance isn't cheap. It costs an average of $912 per year, according the National Association of Insurance Commissioners. With minor violations resulting in higher premiums – going 1-15 mph over the speed limit results in an average 21 percent ($191) increase, according to the study – tacked on to the cost of a ticket, drivers that don't follow the rules are being subjected to significant monetary pain.

Violations that resulted in the most serious surges in insurance premiums are DUIs (93 percent higher insurance costs) and reckless driving (82 percent), according to insuranceQuotes.com. Seemingly minor infractions were much more costly than one might expect. For instance, improper passing (21 percent increase), tailgating (19 percent increase), failure to yield (19 percent increase) and driving in the carpool lane (18 percent increase) all led to higher insurance rates on average.

Seat belt violations had the smallest impact on insurance rates, increasing offenders' premiums an average of just five percent.

"Even points on your license from minor infractions increase the likelihood that a policyholder will file a future claim. That increased risk is what causes an insurer to increase rates," said Laura Adams, senior analyst at insuranceQuotes.com.

What to do if you're ticketed

No one is perfect and traffic violations can happen to even the most vigilant driver. If you are cited for even a minor infraction, you can help prevent your insurance rates from taking a bigger toll on your wallet by taking a safety class.

"Drivers who commit moving violations can take safety classes to improve their skills and remove blemishes from their records," said Adams. "Many of these courses are offered online and can be completed in just a few hours. Otherwise, these infractions can lead to higher car insurance costs for up to three years."

Adams said that not all carriers factor violations into your rate the same way. Thus, you should shop around and make sure you're getting the best price for your situation, especially after receiving a moving violation.

You can see how a few different kinds of moving violations can affect your insurance rates by heading to insuranceQuotes.com and using the calculator on the right side of the page.



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  • 224 Comments
      • 1 Year Ago
      Ohh Bill! Youre amazing! You drive 55 on highways! Complete stop at all signs before the crosswalk every time? Hands at 2 and 10:00?? Drive at 2am for whatever reason and the "pulled over for swerving" in inevitable. When you were driving in your heyday, cops didn't care how you drove, no radar, no seatbelts, no profiling, no DUI, heck, the Caddys came with a bar in the glove box!
      danwat1234
      • 1 Year Ago
      Yeah I train horned a state trooper in my Civic, got a failing to yield ticket. I don't think my insurance went up.
        rudimario
        • 1 Year Ago
        @danwat1234
        Well.....gee....do it again....and see what happens.
      • 1 Year Ago
      I Have The Answer That Everyone Is Asking, Why Are My Rates Going Up... I Spoke With My Insurance Agent And Was Told It Depends Where You Live. The More Accidents That Happen In The County Where One Lives The Insurance Companies Must Raise Their Rates To Compensate For Paying Out For Claims. It's Like Living In A War Zone. As The Population Grows In A County Along With Accidents The Rates Are And Will Forever Continue To Go Up. So With All This Said ; The Next Time Ya See An Idiot On The Road You Can Thank That Person For The Money That Is Coming Out Of YOUR Pocket For Their Poor Driving Habits.
      dl0007
      • 1 Year Ago
      The Auto Insurance and large Oil Companies are very similar. They can't wait and look for something out of the ordinary that possibly may happen, but hasn't yet, to raise their prices. Example, a tornado is forecast in Antarctica and will affect oil production at the North Pole. That day, gas prices go up 30 cents! Grandma doesn't use her turn signal and gets a ticket. Her insurance company drops her or her car insurance goes up $200 a year!
      dl0007
      • 1 Year Ago
      The Auto Insurance and large Oil Companies are very similar. They can't wait and look for something out of the ordinary that possibly may happen, but hasn't yet, to raise their prices. Example, a tornado is forecast in Antarctica and will affect oil production at the North Pole. That day, gas prices go up 30 cents! Grandma doesn't use her turn signal and gets a ticket. Her insurance company drops her or her car insurance goes up $200 a year!
      Mr.Dallas Cowboy
      • 1 Year Ago
      What we are running short of is common sense, we have to many rules & laws some dating back to the 1800's that aren't enforced......Make's me wonder just how smart we as a race really are????? The latest example I can think of is the School and the Board of Education sending a young school girl home from school because she shaved her head in support of her friend who has cancer. Really, how petty can you get.....
      nam2205
      • 1 Year Ago
      Never plead guilty
      gserlin
      • 1 Year Ago
      It figures that serious driving habits, such as driving in the car pool lane can increase your premiums. The danger there is evident.
      • 1 Year Ago
      It is all about the money for both the municipality and insurance companies. Best thing to do is use one of the lawyers that send you letters that they will represent you in fighting the ticket. By the time they do their trick the citation usually ends up being dismissed 90%+ of the time and the cost is way less than the ticket.
      James
      • 1 Year Ago
      I drive for a living and there are dirty police tactics out there. I was cited for ALMOST CAUSING AN ACCIDENT. Dodnt cause any accident, it was a matter of two vehicles chancing lanes at the same time moving to the same lane. Seatbelts are another way they ticket you, its not about safety its REVENUE.
      Jim
      • 1 Year Ago
      Its just another way for insurance companies to increase profits. State Police are glorified insurance company employees/Tax collectors. Must be dissapointing for the men and woman who join that group!
      • 1 Year Ago
      Insurance companies are allowed to legally steal from us.
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