Call Us 915-503-1207 ☰ ˟
Logo
Call Us 915-503-1207
  • Home
  • Get A Quote
    • Automobile
    • Business & CommercialImage of right arrow
      • Business Owners (BOP) Quote Form
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Workers Compensation Quote
    • Homeowners
    • Rental Property Insurance
    • Renters
    • SR-22 Insurance
  • Customer Service
  • Blog
  • Make A Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Insurance Glossary
  • About Us
    • Location Map
    • Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto and Home Icon

Auto & Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Landlords Icon

Landlords

We browse through a wide variety of coverages and find the right one for you.

Learn More
Renters Icon

Renters

We browse through a wide variety of coverages and find the right one for you.

Learn More
SR-22 Icon

SR-22

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Do speeding tickets and other violations affect insurance rates?
TUESDAY, FEBRUARY 9, 2021

Do speeding tickets and other violations affect insurance rates?

Does a speeding ticket increase the cost of insurance?

If you get two or more speeding tickets in a three-year period, you can count on a rate increase at Safe House Insurance and most other insurers. But if you just got your first one in a three-year period, you may not receive an increase.  Safe House Insurance customers who do see a rate increase after one speeding ticket pay roughly 15% more on average. Still, whether or not you receive a rate increase will depend on several factors, including your driving record, insurance history, and, in some states, how fast you were going when you were cited.

Pro Tip: If your insurer offers a discount for safe driving, you’ll likely lose that discount after only one speeding ticket.

How long does a speeding ticket affect my insurance?

Most speeding tickets will fall off your driving record within three years, after which you may qualify for a safe driving discount if your insurer offers one.

Do all moving violations affect my insurance cost?

Any moving violation that appears on your driving record can increase your car insurance rate depending on how your state and your insurer treat the violation. Most states add a certain number of points to your license every time you break a traffic law (the number of points added per violation varies between states). And while insurers don’t directly factor points into your car insurance rate, your rate is likely to be higher if you have a lot of points, simply due to the number of violations on your record.

 

Here’s a quick rundown of other common traffic violations and how they can impact your insurance rate:

 

Does a texting ticket increase my insurance rate?

It ultimately depends on the law in your state. Some states forbid insurance companies from considering texting tickets for the purpose of setting rates, while others don’t add points to your license for it, making it unlikely that your insurance will go up.

Do tickets from red-light cameras increase my insurance rate too?

If you get one of those infamous red-light camera tickets in the mail, you may or may not see higher insurance rates. As with texting tickets, it depends on how your state treats them. Some states outright ban insurance companies from factoring red-light camera tickets into their rates, while others treat them as minor moving violations, which may result in a rate increase.

Will parking tickets raise my insurance cost?

Since they’re not moving violations, parking tickets don’t typically affect your insurance, as most states don’t report them on driving records. However, failing to pay a parking ticket may cost you more than a rate increase, as many states will refuse to renew your license plate until you pay it. And if you choose to drive without an active registration, you could be cited for driving illegally.

Do out-of-state tickets affect insurance?

Yes, tickets you receive while driving outside of your state can drive up your insurance costs. However, the way the state or your insurer treats your violation may mean minimal or no changes in your rate. Either way, the best thing you can do when you get an out-of-state ticket is to pay the fine. Otherwise, you could be arrested the next time you’re passing through.

 

PRO TIP:

Keep in mind that all insurance companies price differently based on tickets. Get an auto insurance quote online or call 915-503-1207 to see how a ticket can affect your price with Safe House Insurance.

 

 

Blog by Progressive: https://www.progressive.com/answers/how-tickets-impact-insurance/

Posted 1:08 AM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020


View Mobile Version

Contact Us Today!
915-503-1207

Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

6065 Montana Ave, Suite C-8
El Paso, TX 79925

P: 915-503-1207 | F: 915-503-1501 | E:contact@safehouseins.com
logo
© Copyright. All rights reserved. | Powered by Insurance Website Builder