Traffic Tickets Don't Usually Lead to Higher Car Insurance Costs


SAN FRANCISCO--Feb. 20, 2013 -- Only 31% of Americans who received a traffic ticket in the past five years are paying more for car insurance as a result, according to new research released today by, a Bankrate company.

Younger drivers are the most likely to face higher car insurance costs after receiving a traffic ticket. Forty-one percent of 18-29 year-olds reported higher car insurance premiums after a ticket versus 32% of 30-49 year-olds and 15% of those 50 and older. The most common increase is under $100 per year. attributes this to the fact that younger drivers, already perceived as riskier than their older counterparts, face more scrutiny from insurance carriers. Most carriers check young drivers' motor vehicle reports every six months, whereas many carriers do not regularly check older drivers' records.

Laura Adams, senior insurance analyst at, offers the following strategies for limiting the impact of a traffic ticket:

  • Attend traffic safety school to wipe points off your driving record and improve your driving skills
  • Consult an attorney, especially if you have accumulated several points
  • Avoid getting an additional ticket, since many insurance carriers allow one minor moving violation every three to five years
  • Keep your vehicle registration, license plates and state inspection up to date so that you don't draw extra attention from law enforcement officials

Of course, some tickets are more serious than others. Insurance Quotes found that offenses such as driving under the influence of drugs or alcohol, reckless driving and leaving the scene of an accident almost always result in higher premiums. Sometimes, a carrier will even drop the offending driver's coverage entirely. People who commit several smaller violations are also more likely to face higher car insurance costs.

The survey was conducted by Princeton Survey Research Associates International (PSRAI) and can be seen in its entirety here: Traffic Tickets

PSRAI obtained telephone interviews with a nationally representative sample of 1,000 adults living in the continental United States. Telephone interviews were conducted by landline (500) and cell phone (500, including 243 without a landline phone). Interviews were done in English by Princeton Data Source from January 31 to February 3, 2013. Statistical results are weighted to correct known demographic discrepancies. The margin of sampling error for the complete set of weighted data is plus or minus 3.5 percentage points.

Home | Buyers Guides For Every Auto Make | New Car Buyers Guide | Used Car Super Search | Total New Car Costs | 2016-1993 Car Reviews Truck Reviews
1996-2016 Automotive News | TACH-TV | Media Library | Discount Auto Parts

Copyright © 1996-2016 The Auto Channel. Contact Information, Credits, and Terms of Use. These following titles and media identification are Trademarks owned by The Auto Channel, LLC and have been in continuous use since 1987 : The Auto Channel, Auto Channel and TACH all have been in continuous use world wide since 1987, in Print, TV, Radio, Home Video, Newsletters, On-line, and other interactive media; all rights are reserved and infringement will be acted upon with force.

Privacy Statement | Size Does Matter | Media Kit | XML SITE MAP | Affiliates

Send your questions, comments, and suggestions to

Submit Company releases or Product News stories to
Place copy in body of email, NO attachments please.

To report errors and other problems with this page, please use this form.

Link to this page: