Ever wonder if non-moving violations affect car insurance rates? While certain traffic or moving violations, such as speeding tickets, reckless driving, and texting while driving infractions will cause your premiums to go up, non-moving violations like fix-it and parking tickets generally won’t cause higher rates.
While it’s best to avoid all types of non-moving and moving violations, let’s explore the difference between the two kinds of traffic tickets, how long each will stay on your record, and how much your insurance costs will increase.
What Is A Non-Moving Violation?
A non-moving violation is considered to be a traffic offense that involves a stationary vehicle, including parking tickets, paperwork and fix-it tickets for vehicle maintenance, licensing, and registration issues. These types of non-moving traffic violations can include parking in a no-parking zone or in front of a fire hydrant, expired tags, overly tinted windows, loud exhaust, broken or missing mirrors, or a broken tail light.
Non-moving violations differ from moving violations in that a moving violation occurs when a vehicle is actually in motion. For example, these can include speeding, running a red light or stop sign, reckless driving, texting and driving, and driving under the influence of alcohol (DUI).
Obviously, moving traffic violations affect insurance rates significantly because they run the risk of causing accidents that may seriously injury other parties and/or cause damage to property.
Moving vs. Non-Moving Traffic Violations
If a driver has a number of moving violations, it can signal to an insurance company that he or she may be a high risk driver. Bad or aggressive drivers who regularly ignore traffic laws are at a higher risk of being involved in auto accidents, which could then cost the the insurance company money in the form of claims to pay for repairs, medical bills, and damaged property. Moving violations and accidents often stay on a driver’s record for 3 years.
Conversely, because most non-moving violations, such as parking tickets or not having your vehicle registration with you, do not represent increased risk to the insurer, these infractions won’t result in higher car insurance rates.
How Non-Moving Violations Affect Car Insurance Rates
In most cases, receiving a non-moving violation will not have an impact on your cost of car insurance – provided that you fix the issue, such as repair the broken tail light, provide proof of insurance, or pay the ticket that you were issued in relation to the offense.
However, if you have too many non-moving violations and the tickets you were issued go unpaid, then it could cause your auto insurance premium to go up. In addition to that, racking up a number of non-moving violations can also become expensive, as these fees will eventually have to be paid. Otherwise, having too many such violations could prevent your vehicle from being registered – and operating a non-registered vehicle can lead to even more violations.
How Moving Violations Affect Insurance Premiums
On the other hand, if you’ve received a moving violation, then it is likely that your car insurance rate will go up – in some cases, substantially. As a general rule, the more points that a moving violation adds to your driving record, the more your auto insurance premium may rise.
Here’s how different violations affect your car insurance rates.
- Reckless driving – 25 percent increase
- DUI (first offense) – 20 percent
- Driving without a license – 18 percent
- Failure to stop – 15 percent
- Improper turn – 14 percent
- Following too closely – 13 percent
- Driving 15 to 29 mph over the speed limit – 12 percent
- Driving 1 to 14 mph over the speed limit – 11 percent
- Texting while driving – 14 percent
- Driving without insurance – 6 percent
- Seat belt infractions – 3 percent
Compare Car Insurance Quotes Online
With auto insurance being mandatory in most states, getting cheap premiums can oftentimes impact just how much coverage you can purchase. In addition to your age, gender, driving record, and year, make and model of your vehicle, there are a number of other factors that can affect your cost of car insurance.
With any type of insurance, including auto coverage, the insurance company is primarily concerned about how much risk they may be taking on by insuring a particular driver. Because of that, the company will review a variety of different factors in order to gauge your driving habits, and in turn, it will come up with an appropriate amount of premium to charge. But this calculation is different by insurance provider.
In order to ensure that you are getting the cheapest auto insurance, it can help to regularly review your coverage and premiums and compare quotes from other carriers. In fact, most drivers make it a point to automatically comparison shop each year.
Even if you haven’t received any moving or non-moving violations, your current insurer’s prices could still change in the future. So, knowing whether or not you are paying more than you need to by comparing car insurance quotes can be a smart financial strategy.