Annual Car Insurance Cost Impacts

2) The More Severe the Violation, the Bigger the Insurance Penalty

While violations like not buckling your seatbelt are pretty straightforward, others come with degrees of severity. If you’re caught speeding, for example, just how fast you were going over the speed limit will impact the size of your insurance penalty.


Getting ticketed for driving 6-10mph over the speed limit increases car insurance rates about 20% while speeding 21-25mph over the limit raises rates almost 26%.