Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

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We now know how much everyday violations cost us in terms of additional insurance premium, thanks to a comprehensive study conducted by

While the results of their study do not guarantee the same results for every car insurance customer, we should have a better idea about what to expect when we receive a moving violation.

More than 490,000 individual car insurance quotes from over a two-year period were analyzed to determine the average premium difference for individuals with certain violations on their driving record.

Of course, insurers don’t just look at our Motor Vehicle Record (MVR), which keeps track of tickets. They use several different personalized reports to determine exactly how much to charge us for insurance.

There are even a few insurers who have access to a report that details potential household drivers who may reside with you. That’s right…you may have to add (and pay additional premium) or exclude certain family members from coverage who have ever lived at your home.

[Who is covered by my auto insurance policy?]

Additionally, expect to have your insurance claim history reviewed using the C.L.U.E. report, while your insurance score being peeked at.

In fact, your insurance score may be the biggest rating factor of all. Your car insurance rate may swing up or down by as much as 40%, depending on this particular score.

Table of Contents

The Results

The results of this study focus on the most commonly issued violations in the United States.

Again, there is quite a bit more to individual insurance pricing than just your MVR infractions, but here is a list of the average premium increase by offense:

1. Reckless driving: 22%
2. DUI first offense: 19%
3. Driving without a license or permit: 18%
4. Careless driving: 16%
5. Speeding 30 mph over the limit: 15%
6. Failure to stop: 15%
7. Improper turn: 14%
8. Improper passing: 14%
9. Following too close/tailgating: 13%
10. Speeding 15 to 29 mph over limit: 12%
11. Speeding 1 to 14 mph over limit: 11%
12. Failure to yield: 9%
13. No car insurance: 6%
14. Seat belt infractions: 3%

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To Sum It Up

Insurers decide how much to charge for coverage based on exactly how much money they expect to pay in claims. Once you understand this simple fact, the results above will make perfect sense.

Of course, receiving a ticket for not wearing your seatbelt is going to have much less of an impact on your car insurance bill than reckless driving, which may cause your insurer to cough up a large amount of cash for a bodily injury or property damage claim.

At the end of the day, if you want cheaper car insurance, drive accordingly.

Read more: How are car insurance rates determined?