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We all know that sinking feeling when you get pulled over for a traffic violation. If you’re lucky, you might just get a “fix-it” ticket for a broken tail light. But what if it was a more serious offense, like speeding or reckless driving?
Depending on your driving record, you could get slapped with a sizeable penalty, or even a jail sentence — and your insurance rates will almost certainly go up.
Let’s say you absentmindedly ran through a stop sign, or made an illegal left-hand turn. You’ll probably know right away how much the ticket will cost, but it could take months before your insurance company receives notice of the infraction and adjusts your premium.
If the suspense is killing you, Insurance.com has a handy tool called the “Uh-Oh! Calculator” that estimates the average rate increases for the 14 most common traffic violations. And, if you enter your age, ZIP code, residence type, marital status, length of time with your insurance carrier and current premium, the calculator will generate a more customized estimate based on your personal data.
Some of the average premium increases are pretty shocking:
Reckless driving: 22 percent
DUI first offense: 19 percent
Driving without a license or permit: 18 percent
Careless driving: 16 percent
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