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Study ranks the traffic violations most likely to increase your insurance rates

If you've ever been pulled over by a law enforcement official for an alleged traffic violation, you are likely very familiar with the seemingly endless amount of time it takes for the officer or trooper to process the ticket. In fact, as you waited patiently for them to return your license and hand you the ticket, you probably thought about how much the ticket would cost and how it would affect your insurance rates.

Interestingly, a recently released study by the website ranked the average insurance rate increases for 14 of the most frequently issued traffic citations. The researchers arrived at this conclusion by examining a pool of 490,000 insurance quotes issued by 14 different insurance carriers from January 2009 to January 2011. Specifically, they compared the quotes issued to drivers with no violations with the quotes issues to drivers who received one of the 14 violations.

The five traffic violations that resulted in the highest insurance rate increases were as follows:

  • Reckless driving -- 22 percent
  • First offense drunk driving -- 19 percent
  • Driving without a license or permit -- 18 percent
  • Careless driving -- 16 percent
  • 30 MPH over the speed limit -- 15 percent

The five traffic violations that resulted in the lowest insurance rate increases were as follows:

  • 15 to 29 MPH over the speed limit -- 12 percent
  • 1 to 14 MPH over the speed limit -- 11 percent
  • Failure to yield -- 9 percent
  • Failure to secure car insurance -- 6 percent
  • Seat belt violation -- 3 percent

It is worth noting that has also constructed an "Uh-Oh! Calculator" that enables a person to input certain factors -- age, marital status, state, etc. -- and receive a more accurate picture of what their insurance rate increase for a traffic citation would be.

Stay tuned for more from our New York vehicle traffic law blog ...

If you have been issued a traffic violation, fight to keep your driving privileges and your insurance premiums as low as possible. Consider contacting an attorney who understands New York's confusing legal system, and who can help you evaluate your options and make the right decisions.

This post was provided for informational purposes only and is not to be construed as legal advice.


The New York Times, "What that speeding ticket may really cost you," Ann Carrns, May 17, 2012

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