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If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re already paying up. However, drivers need to keep in mind that those tickets can also mean big increases to their car insurance premiums.
For example, if you’re caught racing in North Carolina or driving drunk or recklessly in California, that single incident will cost you nearly $3,000 on your annual auto insurance premium. (For North Carolina, that’s a 350% rate increase.) And that’s not including the ticket itself or any court fees or other expenses.
Although each state regulates insurance differently, every state’s most costly violation will earn the driver a car insurance rate increase of at least 40%, according to The Zebra’s new State of Auto Insurance Report.
To determine what violation was most costly in each state, The Zebra analyzed auto insurance pricing data from its quote engine. The analysis includes annual auto insurance premium data across all U.S. zip codes for a base driver profile of a 30-year-old single male driving a 2012 Honda Accord EX.
Below are the most expensive traffic violations by state and how much each could wind up raising your insurance.
Most Costly Violation: Driving Under the Influence (DUI)
Dollar Increase on Premium: $716
Mostly Costly Violation: DUI
Dollar Increase on Premium: $568
Mostly Costly Violation: Racing
Dollar Increase on Premium: $1,574
Mostly Costly Violation: DUI
Dollar Increase on Premium: $850
Mostly Costly Violation: Reckless Driving, DUI
Dollar Increase on Premium: $2,869
Mostly Costly Violation: Racing
Dollar Increase on Premium: $842
Mostly Costly Violation: Racing
Dollar Increase on Premium: $1,790
Mostly Costly Violation: Racing
Dollar Increase on Premium: $2,125
Mostly Costly Violation: DUI
Dollar Increase on Premium: $1,016
Mostly Costly Violation: Reckless Driving
Dollar Increase on Premium: $1,735
‘Mostly Costly Violation: DUI
Dollar Increase on Premium: $812
Mostly Costly Violation: Racing
Dollar Increase on Premium: $2,396
Mostly Costly Violation: DUI
Dollar Increase on Premium: $594
Mostly Costly Violation: Reckless Driving, Racing
Dollar Increase on Premium: $1,619
Mostly Costly Violation: Racing
Dollar Increase on Premium: $462
Mostly Costly Violation: Reckless Driving
Dollar Increase on Premium: $622
Mostly Costly Violation: DUI
Dollar Increase on Premium: $512
Mostly Costly Violation: DUI
Dollar Increase on Premium: $1,435
Mostly Costly Violation: At-Fault Accident
Dollar Increase on Premium: $791
Mostly Costly Violation: Racing
Dollar Increase on Premium: $623
Mostly Costly Violation: Reckless Driving
Dollar Increase on Premium: $666
Mostly Costly Violation: DUI
Dollar Increase on Premium: $961
Mostly Costly Violation: Reckless Driving
Dollar Increase on Premium: $2,312
Mostly Costly Violation: Reckless Driving
Dollar Increase on Premium: $1,019
Mostly Costly Violation: Reckless Driving
Dollar Increase on Premium: $790
Mostly Costly Violation: Racing
Dollar Increase on Premium: $529
Mostly Costly Violation: Racing
Dollar Increase on Premium: $640
Mostly Costly Violation: Racing
Dollar Increase on Premium: $755
Mostly Costly Violation: Racing
Dollar Increase on Premium: $945
Mostly Costly Violation: Racing
Dollar Increase on Premium: $759
Mostly Costly Violation: At-Fault Accident
Dollar Increase on Premium: $1,229
Mostly Costly Violation: Racing
Dollar Increase on Premium: $896
Mostly Costly Violation: DUI
Dollar Increase on Premium: $1,150
Mostly Costly Violation: Racing
Dollar Increase on Premium: $2,888
Mostly Costly Violation: Reckless Driving
Dollar Increase on Premium: $761
Mostly Costly Violation: Racing
Dollar Increase on Premium: $607
Mostly Costly Violation: Racing
Dollar Increase on Premium: $1,187
Mostly Costly Violation: Reckless Driving
Dollar Increase on Premium: $1,079
Mostly Costly Violation: Racing
Dollar Increase on Premium: $1,032
Mostly Costly Violation: Racing
Dollar Increase on Premium: $1,473
Mostly Costly Violation: DUI
Dollar Increase on Premium: $793
Mostly Costly Violation: DUI
Dollar Increase on Premium: $1,009
Mostly Costly Violation: DUI
Dollar Increase on Premium: $743
Mostly Costly Violation: Reckless Driving
Dollar Increase on Premium: $1,268
Mostly Costly Violation: Reckless Driving
Dollar Increase on Premium: $606
Mostly Costly Violation: DUI
Dollar Increase on Premium: $892
Mostly Costly Violation: DUI
Dollar Increase on Premium: $722
Mostly Costly Violation: Reckless Driving, Racing
Dollar Increase on Premium: $736
Mostly Costly Violation: Racing
Dollar Increase on Premium: $1,057
Mostly Costly Violation: Racing
Dollar Increase on Premium: $550
Mostly Costly Violation: DUI
Dollar Increase on Premium: $709
So many things about insurance pricing vary by state and situation, and violations are no exception. Just as marital status, gender, and homeowner status affect your rate differently depending on your state, the same can be said for traffic tickets.
The risks associated with accidents are statistically different for each state, so what insurance companies consider the “worst” (and thus costliest) ticket in each state will come down to the ticket which leads to the greatest amount of risk caused by drivers in that particular state. For example, certain states (even certain zip codes) have higher frequencies of DUIs that lead to collisions than others, so insurance companies factor the likelihood of someone getting into a collision based on those statistics.
[Editor’s note: Your credit score can also influence your car insurance rates. You can view two of your scores for free, updated every 14 days, on Credit.com.]
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