The Impact of Traffic Violations on Your Auto Insurance

Drivers may underestimate how traffic violations affect auto insurance. Beyond fines and points on a license, these infractions can trigger rate increases.

Common Violations That Affect Rates

Some infractions weigh more heavily than others when it comes to insurance. A violation’s severity, frequency and timing may contribute to how it’s evaluated.

Insurers may consider the following:

• Speeding tickets are among the most common offenses. While one ticket may not have a lasting effect, repeated violations may cause a rate increase.

• Reckless driving is a serious offense that may signal risky behavior. Insurance companies may consider this a high-risk activity.

• Driving under the influence can have significant consequences, including SR-22 filing requirements and significant premium increases.

• Failure to stop or yield may result in fines and increased driving points, depending on local regulations. Insurers consider it an indication of increased risk and may respond by raising rates.

• Driving without a valid license or insurance is a violation that may result in fines or suspension. Insurance carriers may see this as a red flag when reviewing applications. It can be more challenging to get coverage after an insurance lapse.

When Do Rates Go Up?

Policies can change upon renewal if a violation appears on a driver’s record. Additionally, certain infractions may prompt a company to review eligibility, possibly leading to policy cancellation or limited options.

It’s also possible that discounts will be affected. A driver previously eligible for safe driving incentives may lose those benefits following a violation.

Contact Us

Drivers who want to understand their options or explore alternatives can benefit from a personalized review based on their driving history.

Contact First Community Insurance & Annuity Center today to speak with an agent about your auto policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.