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 Zebra.com 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, Zebra.com 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 Increase||Dollar Rate Increase||Total Insurance Cost (3 Years Impact)|
|Driving Without Lights||4.4%||$68||$204|
|Failure to Wear a Seat Belt||5.8%||$90||$270|
|Cell Phone Use||22.9%||$355||$1,065|
|Failure to Stop at a Red Light||23.3%||$361||$1,083|
|Following Too Closely||25.5%||$395||$1,185|
|Passing a School Bus||28.5%||$441||$1,323|
If you’re thinking about buying coverage for your vehicle, check out our list of best and worst insurance companies.