Will My Car Insurance Rates Go Up On a Convicted Traffic Ticket?

Your car insurance rates may go up if you are convicted of a traffic ticket. The severity of the ticket, the number of tickets you have received, and the laws in your state all play a role in determining whether your rates will increase.

Traffic violations like speeding, reckless driving, and DUI/DWI can lead to significant increases in your car insurance rates. More minor violations, such as failure to obey traffic signals, may result in a smaller increase or no increase at all.

The impact of a conviction also depends on your insurance company’s policy and how they view certain infractions, some company may be more lenient and others more strict.

It’s important to keep in mind that car insurance companies use your driving record as a way to predict how likely you are to file a claim in the future. So if you have a history of traffic violations, your insurance company may see you as a higher risk and charge you higher rates.

It’s always a good idea to check with your insurance company or agent to find out what you can expect if you are convicted of a traffic ticket, and to ask about any discounts or programs that may help you lower your rates.