--- title: Here's How Much Your Car Insurance Will Rise from a Minor Speeding Ticket description: Even minor driving infractions like following too closely and failing to signal can cause auto insurance premiums to spike. authors: - name: Kerry Close url: https://money.com/author/kerry-close/ at_money_since: 2016 articles: 182 covers: - Insurance - Banking - Business - Career Advice - Credit Cards - Economy and Politics - Education - Housing - Identity Theft - Investing - Lifestyle - Loans - Mortgages - Personal Finance - Retirement - Shopping - Taxes - Technology social: - https://x.com/kerryclose former_staff: true published: '2016-04-14T16:56:18.000Z' modified: '2024-04-16T10:38:28.000Z' section: Insurance tags: - Auto insurance - cars - pubdesk - speeding tickets - traffic violation word_count: 322 canonical: https://money.com/how-much-ticket-increase-auto-insurance/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Driver pulled over by police, giving ID to officer](https://img.money.com/2023/01/Explainer-DUI-Vs-DWI.jpg) Drivers often complain about their sky-high auto insurance costs. But if they receive even a minor ticket, those costs--and the complaints that follow--will probably hit new highs. New data from [InsuranceQuotes.com](http://www.insurancequotes.com/auto/moving-violations-rate-increase-041116) shows that DUI and reckless driving tickets will cause drivers' annual premiums to jump by an average of 94% and 85%, respectively, [the Detroit Bureau reported](http://www.thedetroitbureau.com/2016/04/small-traffic-tickets-often-lead-to-big-insurance-tabs/). While those price hikes might not seem unreasonable given the severity of offenses, the research also found that common driver infractions can also correspond to hefty penalties. For instance, a speeding violation of 15 miles per hour or less over the limit will cause the cost of your auto insurance premium to increase by an average of 21%. Receiving a ticket for following too closely or failing to signal each come with a 19% increase. Improperly driving in a carpool lane caused drivers' premiums to rise by 18%. The amount by which your auto insurance will hike due to a ticket also depends on where you live. While your rate would rise nearly 291% in Hawaii for a reckless driving ticket, a much less severe jump of 29.3% is inflicted in Louisiana. ***Read next:* [Ask for a Pricier Ticket? 10 Bizarre but Possibly Brilliant Money Tips You Must Check Out](https://money.com/tips-save-money-bizarre-brilliant/)** The reason for the variation is that insurers in some states use rating factors that aren't related to a driver's competence on the road, Doug Heller, an independent consumer advocate with the Consumer Federation of America, told the [Detroit Bureau](http://www.thedetroitbureau.com/2016/04/small-traffic-tickets-often-lead-to-big-insurance-tabs/). For instance, many states allow insurers to use credit scores, occupation and marital status as rating factors. In states like California and Hawaii that only consider a driver's record on the road when calculating costs, any blemishes will have a more significant impact on their premiums. The good news is if you are caught for a moving violation, you may be able to negotiate the level of the premium increase depending on where you live. ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/how-much-ticket-increase-auto-insurance/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Insurance", "item": "https://money.com/insurance/" }, { "@type": "ListItem", "position": 3, "name": "Car Insurance", "item": "https://money.com/car-insurance/" }, { "@type": "ListItem", "position": 4, "name": "Here's How Much Your Car Insurance Will Rise from a Minor Speeding Ticket" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/how-much-ticket-increase-auto-insurance/#webpage", "url": "https://money.com/how-much-ticket-increase-auto-insurance/", "name": "Here's How Much Your Car Insurance Will Rise from a Minor Speeding Ticket", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2016-04-14T16:56:18.000Z", "mainEntity": { "@id": "https://money.com/how-much-ticket-increase-auto-insurance/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/how-much-ticket-increase-auto-insurance/#breadcrumb" }, "dateModified": "2024-04-16T10:38:28.000Z" }, { "@type": "Article", "headline": "Here's How Much Your Car Insurance Will Rise from a Minor Speeding Ticket", "articleSection": "Insurance", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2023/01/Explainer-DUI-Vs-DWI.jpg", "width": 5616, "height": 3744, "caption": "Explainer-DUI-Vs-DWI" } ], "author": [ { "@type": "Person", "name": "Kerry Close", "url": "https://money.com/author/kerry-close/", "@id": "https://money.com/author/kerry-close/#author", "sameAs": [ "https://x.com/kerryclose" ] } ], "publisher": "https://money.com/#organization", "datePublished": "2016-04-14T16:56:18.000Z", "description": "Even minor driving infractions like following too closely and failing to signal can cause auto insurance premiums to spike.", "abstract": "Even minor driving infractions like following too closely and failing to signal can cause auto insurance premiums to spike.", "@id": "https://money.com/how-much-ticket-increase-auto-insurance/", "inLanguage": "en-US", "dateModified": "2024-04-16T10:38:28.000Z", "wordCount": 322, "keywords": [ "Auto insurance", "cars", "pubdesk", "speeding tickets", "traffic violation" ], "about": [ { "@type": "Thing", "name": "Insurance", "sameAs": [ "https://en.wikipedia.org/wiki/Insurance" ] }, { "@type": "Thing", "name": "Vehicle insurance", "sameAs": [ "https://en.wikipedia.org/wiki/Vehicle_insurance" ] } ] } ] } ```