How Much 10 Common Traffic Violations Can Raise Your Insurance Rates


One of the best ways to save money behind the wheel is by obeying traffic laws. You’d be surprised how much common traffic violations can increase your car insurance rates.

Insurance comparison site recently released its State of Auto Insurance 2020 report, which shows some of the top infractions committed by motorists and their potential costs.

10 Common Traffic Violations: Here’s How Much Your Insurance Rates Rise

To come up with the figures, used its proprietary quote engine to analyze more than 73 million insurance rates across 34,000 U.S. ZIP codes.

Let’s look at 10 common traffic violations and how much they could cause your insurance to go up by percentage, the average dollar amount and what it might cost you over a period of time:

Driving Violation% Rate IncreaseDollar Rate IncreaseTotal Insurance Cost (3 Years Impact)
Driving Without Lights4.4%$68$204
Failure to Wear a Seat Belt5.8%$90$270
Not-at-Fault Accidents6.9%$107$321
Cell Phone Use22.9%$355$1,065
Failure to Stop at a Red Light23.3%$361$1,083
Illegal Turn23.8%$368$1,104
Following Too Closely25.5%$395$1,185
Passing a School Bus28.5%$441$1,323
At-Fault Accident41.1%$636$1,908

See the full list from here.

If you’re thinking about buying coverage for your vehicle, check out our list of best and worst insurance companies.

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