Getting a traffic ticket doesn’t just cost you a fine—it can significantly affect your car insurance premiums. Understanding how this works can help you make informed decisions about whether to pay, fight, or attend traffic school.
How Traffic Tickets Affect Insurance
Insurance companies use your driving record to assess risk. A ticket signals risky behavior, which often leads to higher rates.
Types of Violations and Impact
- Speeding: Minor speeding (1–10 mph over) may have a small impact; major speeding can increase rates by 20–30%.
- Reckless driving: Considered a serious offense; premiums can rise by 50% or more.
- DUI/DWI: Results in huge premium increases or cancellation.
- At-fault accidents: May increase rates even without a ticket.
How Long Do Tickets Affect Your Insurance?
Typically, violations stay on your record for 3 to 5 years, depending on the state and insurer.
Ways to Minimize the Impact
- Fight the ticket in court and seek dismissal or reduction.
- Take a defensive driving course, if allowed by your state.
- Shop for new insurance—some companies are more lenient.
- Maintain a clean record moving forward.
When It’s Worth Contesting a Ticket
- You have multiple violations on your record.
- The citation could raise your rates significantly.
- There’s a strong defense (e.g., faulty radar equipment).
Conclusion
Even a single traffic ticket can cost you hundreds in increased premiums over time. Fighting the ticket or attending traffic school can reduce the long-term financial impact.