Car Insurance Champs

So, you’re riding along in your automobile… and you suddenly notice the signature red and blue flashing lights in your review mirror. Yep, that’s right, you failed to notice the speed limit had changed as you got closer to town. Inevitably, the offer cites with you with a speeding violation. Although the ticket itself might not set you back too much, you have a hunch that your car insurance company will not be so lenient on you.

In almost all cases, your hunch is correct, but how much do each of the speeding violations cost you in car insurance premiums? Thankfully, Insurance.com was nice enough to complete a two-year study to determine what percentage your rates will go up by, depending on the violation. More than 490,000 insurance quotes were given to drivers from 14 different auto insurance providers.

The 14 most common violations are listed, being compared, percentage wise, to those with no traffic violation history.

1. Reckless Driving: 22%

2. DUI – 1^st offense: 19%

3. Driving Without a License: 18%

4. Careless Driving: 16%

5. Speeding – 30 MPH over the Speed Limit: 15%

6. Failure to Stop: 15%

7. Improper Turn – No Signal: 14%

8. Improper Passing – No Signal: 14%

9. Tailgating: 13%

10. Speeding – 15 to 29 MPH over the Speed Limit: 12%

11. Speeding – 1 to 14 MPH over the Speed Limit: 11%

12. Failure to Yield: 9%

13. No Insurance: 6%

14. No Seat Belt: 3%

Certainly there are things that can adjust these percentages of increase, like causing an accident or if you were under the influence at the time. And, as always, the usual things car insurance companies use to set your premium such as marital status, age, etc. Although these number are a complete representation of what you can expect to pay for your latest traffic violation, they are accurate enough for you to start adjusting your budget accordingly.