How Much 10 Common Traffic Violations Can Raise Your Insurance Rates

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Owning and driving a car on America’s roads is a costly endeavor in and of itself. If you’re not careful and you commit violations behind the wheel, the price tag can get out of hand.

Insurance comparison site Zebra.com recently released its State of Auto Insurance 2022 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 analyzed more than 83 million insurance rates across all U.S. ZIP codes.

The analysis used the profile of a 30-year-old single male driver of a 2017 Honda Accord EX with a good driving history and auto insurance that covers:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $500 deductible for comprehensive and collision

According to the report, the average annual premium for this person would be $1,529 without any violations. Let’s look at 10 common traffic violations and how much they could cause his insurance to go up.

Driving Violation% DifferenceDollar Amount Increase
Not-at-fault accidents2.6%$40
Seat belt10.5%$161
Child safety restraint11.7%$180
Driving without lights11.7%$179
Failure to show documents13.5%$206
Driving with expired registration18.1%$276
Driving too slowly20.4%$312
Speeding in school zone20.6%$315
Cell phone violation20.9%$320
Texting while driving21.1%$322

Read the full list from Zebra.com 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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