How Do Driving Tickets Affect my Insurance Rates?
One common question people ask about is whether driving tickets affect their insurance rates. It’s an important question with a lot of confusion surrounding it. In short, yes, your tickets will affect your insurance rate. Today, we’ll explore driving tickets and how much they could impact your insurance rates and whether they can label you as a high risk driver . If you have any questions, please feel free to contact us and our brokers will answer all your insurance inquiries!
Types of Driving Tickets
There are generally three different types of tickets. These three types range from minor driving tickets, to major, to criminal. All driving tickets impact your insurance, and progressively get harsher. Ultimately, you should avoid tickets to keep your insurance rates low. Here are most (but not all) of the most common driving tickets based on their severity.
Minor Driving Tickets
- Wrong way on a one-way street, or illegal turn.
- Using a radar detector.
- Unsafe vehicles, defective brakes, or broken headlights.
- Slow driving, speeding, or following too closely.
- Overloading or insecure loads.
- Obstructing traffic, driver views, or your license plate.
- Improper passing, opening of door, driving in a bus lane or railway crossing.
- Failure to produce insurance or license.
- Failing to yield to pedestrians or traffic.
- Failing to use a seatbelt or signals.
Major Driving Tickets
- Many insurance offenses, including false statements or lack of insurance.
- Speeding in a construction zone, or school zone.
- Failure to report an accident or report damage on the highway.
- Improper passing of a school bus.
Serious and/or Criminal Driving Tickets
- Driving while impaired, careless, racing or dangerous driving.
- Criminal negligence.
- Driving while suspended, or refusing a breathalyzer.
- Failing to obey police or remaining at an accident
It’s important to note that tickets often come with demerit points. The number of demerit points you gain, the worse driving life you’re going to have. In Ontario, your license might be suspended if you get 9-14 demerit points. If you get more than that, you can lose your license for a month, or longer. That said, demerit points DO NOT impact your insurance rate unless you have enough that you’ve had your license suspended. Also, it should be noted that parking tickets have no impact on your insurance rate.
The Impact of Driving Tickets on your Insurance
There is no exact rules when it comes to the impact that your tickets have on your insurance. In some cases, an insurance company may forgive a single ticket and not impact your rates at all. But, a good rule of thumb is the following. One to two tickets might result in rates that are 10% higher. Two or three could increase your rates by 25%, while three or more could be as much as 100% higher. Again, these are just a base estimate but the impact of tickets on your insurance is significant. As such, be a safe driver, don’t take risks and keep your eyes on the road!
Learn more about high risk auto insurance in here .
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