If I get a traffic ticket, will my insurance rates go up?

In California, if you receive a traffic ticket for a moving violation, your insurance rates may go up. Generally, insurance companies increase your insurance rates as a result of traffic violations. Insurance companies view traffic violations as evidence that you may be engaging in risky behavior while driving, which could lead to an accident. In addition, the severity of the violation can also influence the increase in your insurance rates. A more serious violation such as a DUI or reckless driving charge can lead to a much higher increase in insurance premiums compared to a minor violation such as speeding or running a stop sign. Depending on the violation and your insurance provider, the increase in insurance rates can range from just a few extra dollars per month to hundreds of extra dollars per year. In some cases, your insurance provider may offer an “accident forgiveness” program which can help mitigate the effect of a traffic violation on your insurance rates. However, this type of program is not available in all states. Additionally, even if you are enrolled in an accident forgiveness program, a serious violation may still result in an increase in insurance rates. Furthermore, repeat violations or multiple traffic violations within a certain timeframe may also cause your insurance rates to go up significantly. Therefore, it is important to drive safely and obey all traffic laws to avoid getting a ticket and a potential increase in insurance premiums.

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If I get a traffic ticket, will my insurance rates go up?

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