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I got a ticket—will this make my auto insurance premiums go up?

Getting a traffic ticket can often result in an increase in your auto insurance premiums. The exact impact on your rates will depend on the severity of the violation, your driving history, and your insurer's policies. Insurance companies use a variety of factors to determine your premiums, and your driving record is one of the most important.

Typically, minor violations such as a single speeding ticket or a failure to yield violation will result in a modest increase in premiums. However, more serious violations such as reckless driving or driving under the influence can lead to a significant increase in rates, and in some cases, your insurer may even choose to cancel your policy.

It's worth noting that not all insurance companies will raise your rates for a single minor violation, so it's important to shop around and compare quotes from different providers if you do receive a ticket. Additionally, some insurers offer accident forgiveness programs or other policies that may help mitigate the impact of a traffic violation on your rates.

Disclaimer: The questions and answers above are for educational purposes only. They are meant to provide the public with a general conceptual understanding of insurance and do not constitute advice or analysis. Some answers might be incomplete, outdated, and even not always accurate depending on the particular rules applicable to your state. Importantly, these questions and answers are generic and do not relate to any particular insurance product, including products available on the Waffle platform. If you have any questions about any of your own insurance products, always check the policy first and direct your questions to your insurance agent or the insurance company underwriting your policy.