Getting a ticket for a driving violation can raise your car insurance rate no matter where you live, but the additional costs vary dramatically across state lines.

For example, a drunk or drugged driving violation (DUI) can increase rates 181% ($3,200+) in California, while in Indiana the same offense raises rates only 42% ($480+).

Why? It all comes down to differences in risk, and how insurance is rated and regulated from state to state.

It’s important to remember that some insurance companies may assign lower penalties — or none at all — even in states where drivers tend to see steep cost spikes for violations, so it’s always important to compare insurance quotes.

Below are the violations with the biggest impact on car insurance rates in each state across the U.S. [Note: Click the state name to see the impact of all violations in that state.]

Driving Violations with the Highest Insurance Penalties by State