Here’s what you need to know auto insurance rate by violation when driving in Arizona

In Arizona, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer’s pricing standards, and differing local insurance regulations and risks. That’s why tickets may have a different impact on insurance in your state compared to the national average.

Accident/Violation

Avg. Annual Premium

% Rate Increase

$ Rate Increase

None

$1,750

0%

$0

One Med/PIP claim

$1,750

0%

$0

Not-at-fault accident

$1,754

0%

$4

Two Med/PIP claims

$1,825

4%

$74

One comp claim

$1,826

4%

$76

Two comp claims

$1,918

10%

$168

Failure to wear a seat belt

$1,971

13%

$221

Driving without lights

$1,974

13%

$224

Child safety restraint

$1,974

13%

$224

Failure to show documents

$2,059

18%

$309

Driving with expired registration

$2,131

22%

$380

Wrong way/wrong lane

$2,195

25%

$445

Speeding 6 – 10 MPH over limit

$2,196

25%

$445

Following too closely

$2,196

25%

$446

Failure to yield

$2,196

25%

$446

Failure to stop at a red light

$2,196

25%

$446

Illegal turn

$2,197

25%

$446

Texting while driving

$2,201

26%

$450

Cell phone violation

$2,201

26%

$450

Improper passing

$2,225

27%

$474

Speeding 11 – 15 MPH over limit

$2,235

28%

$485

Speeding in school zone

$2,245

28%

$494

Driving too slowly

$2,245

28%

$494

Speeding 16 – 20 MPH over limit

$2,253

29%

$502

In 65 MPH zone

$2,317

32%

$567

Speeding 21 – 25 MPH over limit

$2,326

33%

$576

Passing school bus

$2,326

33%

$576

At-fault accident – less than $1000

$2,404

37%

$654

Operating a vehicle without permission

$2,454

40%

$703

At-fault accident – $1000-$2000

$2,570

47%

$820

At-fault accident – greater than $2000

$2,598

48%

$847

Open container

$2,656

52%

$905

Reckless driving

$2,939

68%

$1,188

Driving with a suspended license

$2,977

70%

$1,227

DUI

$3,360

92%

$1,609

Refusal to submit to a chemical test

$3,360

92%

$1,609

Racing

$3,453

97%

$1,702

Leaving scene of an accident/hit and run

$3,471

98%

$1,721

 

Source: The Zebra

Defensive Driving