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As tickets increase, so do insurance rates

Posted On Tue, May 24, 2011

As law enforcement officers step up seat belt enforcement as part of the nationwide "Click It or Ticket" campaign, a new study is showing how much insurance rates go up for people who are cited for disobeying traffic laws.

According to a study commissioned by, premiums can rise by as much as 50 percent after three tickets.

The website based its findings on the analysis of 32,000 auto insurance policies sold in 2010. It found after one ticket, drivers paid on average 18 percent more for their auto insurance premium compared to those who never receive one.

And the more tickets people get, the higher the rates go, as the study found two violations resulted in a 34 percent increase and three citations led to a 53 percent jump in premiums.

This wasn't a surprise for Robert Passmore, spokesperson for the Property Casualty Insurers Association of America.

"If a person has one ticket in 10 years and someone else has three tickets in six months, you tell me [who is going to get the lower rate]," Passmore told the website

While driving without wearing a seat belt was not mentioned as a ticket that could lead to auto insurance increases, some insurers may still take that into account when assessing rates. 

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