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Tickets that raise your insurance rates

How much your insurance goes up depends on the driving offense. Here are the 10 most expensive infractions.

By MSN Money Partner May 18, 2012 9:37AM

This post comes from Len Penzo at Len Penzo dot Com.


Len Penzo dot Com on MSN MoneyNot too long ago, I was speaking with someone who told me she got pulled over by a cop on her way to work.


Image: Speeding ticket (© Corbis)Of course, I offered up the obligatory sympathy. "Bummer," I said. "What did he write you up for?"


"Oh, I didn't get a ticket," she said matter-of-factly. "He clocked me doing 57 in a 45 zone, but he let me off with a warning."


I couldn't believe it. "He let you off with just a warning?"


"I know, huh?" she said, practically giddy at reliving the moment.


Unbelievable. I've been pulled over for a moving violation four times in my life, twice for speeding and twice for making an illegal left turn. I've also been stopped for a fix-it ticket or two -- but I've never had the good fortune of being let off the hook. Not even once. (Post continues below.)

The last time I was stopped I even presented the cop with an old Monopoly "Get out of Jail Free" card that I used to carry in my wallet for laughs. He wasn't impressed.


Anyway, being a glutton for punishment, I decided to press the issue. "So, Jenna, how many times have you gotten away with a warning?"




I didn't know what to say. Then again, I really didn't have time to say anything because, before I could begin gnashing my teeth, Jenna corrected herself.


"No, wait! Four!" I know.


It turns out Jenna's primary tactic for avoiding a ticket is crying. By her own admission, crying doesn't always work. But the fact that she was able to weasel her way out of four tickets surely saved her hundreds of dollars in fines. Not to mention increases in her auto insurance premiums -- especially if she drives an expensive luxury car she can't afford.

Insurance premium increases depend on the type of infraction you are written up for. has an interactive "Uh-Oh!" calculator to help you anticipate potential insurance rate increases the next time you end up getting pulled over by the highway patrol or the police.


Which ones are responsible, on average, for raising your insurance rates the highest? Here are the top 10, according to

  1. Reckless driving (22% rate increase, on average)
  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 the limit (12%)

Well, assuming you aren't able to cry yourself out of the ticket.


More on Len Penzo dot Com and MSN Money:

May 21, 2012 9:16PM
Fight the ticket.

SECRET the government banks on the drivers in the state having no knowledge of the laws and the unwillingness to face a confrontation. The state banks on you just paying the fine.

Go online and become informed. I have beat EVERY ticket in the last 13 years just by researching.
The cops are wrong allot of the time and the laws have plenty of loopholes.

Jul 30, 2012 9:44AM

Maybe you SPAMMERS wouldn't have such lonely pathetic lives,if you quit SPAMMING and went outside to meet real people !!


You losers are so freaking pathetic !!

Apr 8, 2013 11:11PM
Tickets that raise your insurance rates- MSN Money : Try this site where you can comapre quotes from different companies:
Feb 4, 2014 5:21PM
a lot of auto insurance companies don't even check your driving record before giving you a quote. 4autoinsurancequote is one of them that doesn't check. i don't know about any others. i'm sure a google search could help u find more.
Apr 8, 2013 8:10PM
Tickets that raise your insurance rates- MSN Money : Try this site where you can comapre quotes from different companies:
Jul 30, 2012 4:56PM
In response to the video - Completely diagree with the part about getting rid of the land line.  Did this guy consider the fact that cell phone signals are NOT nationwide.  For people that live in a rural area like I do, a cell phone is nothing more than an MP3 player, camera, or handheld computer (as long as WIFI is available).  Still waiting for a cell phone company to put up a closer tower so I can actually get a signal.  Till then, sticking with my landline.
Jul 30, 2012 8:00AM
Here in Delware, we have the old fashioned J/P Court. Justice of the Peace Court. You are given a precise time to be at the court. Both YOU & THE COPS have a 30 window after the time slated. If after the half hour without the Cop showing up the ticket is thrown out. Now if you are over 30 minutes late prepare to be arrested VIA a CAPIAS. The police are often spread so thin that they are usually on a call and FORGET to contact the court. I have gotten out of ten tickets by simply fighting the ticket. I wait my wonderful half hour then request the ticket be dropped. However some of the clerks will do an additional 30 second countdown, but the Cop dont show and I save that money plus court costs. Now since I get disability, if on the odd chance the Cop shows up, you will ALWAYS LOSE. I explain I cant pay more than 5 a month. so my $65 ticket gets paid on for over a year lol.
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