2025 

•  Drivers with traffic violations in 2025 see their auto insurance premiums jump by 53% on average. In some states, like North Carolina, the increase can reach as high as 146% for violations and dangerous driving.

•  Even a single minor violation can raise rates by up to 70%. Certain violations, like driving with a suspended license or reckless driving, can push premiums up by 62–90% or more, depending on location and insurer.

•  Geography matters—a seatbelt ticket in California may raise rates by 29%, while in Maine it might have no effect.

Source: Zebra.***, Bankrate, 2025 auto insurance analytics.

•  Insurers view traffic violations as indicators of risky behavior, increasing the likelihood of future claims.

•  Major violations (DUI, reckless driving, hit and run) trigger the steepest hikes. Minor violations (speeding, failure to signal) still raise rates, especially if repeated.

•  Even a single ticket can cause you to lose safe driver discounts, further increasing your premium.

•  Most violations remain on your record for 3–5 years. Serious offenses like DUI may impact rates for a decade or more.

•  Accumulating more infractions compounds the effect, making insurance even more expensive and, in some cases, leading to policy cancellation.

•  Insurers weigh violations differently. Comparing quotes can help you find a provider more forgiving of your record.

• Take a Defensive Driving Course: Many insurers offer discounts for completing an approved safe driving course, which can offset some of the premium increase.

• Consider Usage-Based Insurance: Enroll in telematics or usage-based programs (like Progressive Snapshot or State Farm Drive Safe & Save). Safe driving habits tracked by these programs can earn you discounts of 10–30% or more.

•  Avoid further violations. Over time, a clean driving history will help reduce your rates as old infractions fall off your record.

• Increase Deductibles or Adjust Coverage: Raising your deductible or dropping optional coverages (if appropriate) can lower your premium, but be sure you can afford the out-of-pocket cost if you have a claim.

•  Combining auto with home or renters insurance can unlock additional discounts, helping to offset higher rates from violations.

•  If you believe a violation was issued in error, contest it in court. A dismissed ticket may not impact your insurance.

• Driving violations in 2025 can dramatically increase your auto insurance premiums—often by more than 50% for a single incident.

• Major offenses like DUI, reckless driving, and hit-and-run carry the steepest penalties, but even minor tickets add up.

• Shopping around, taking a defensive driving course, enrolling in telematics programs, and maintaining a clean record are the most effective ways to reduce your rates after a violation.

Staying vigilant about your driving habits and proactive about your insurance options is the best way to keep your premiums affordable in 2025.