A traffic ticket or accident can significantly increase your insurance premium. Here's exactly how it works and what you can do about it.
Most states use a point system to track driving violations. More points mean higher insurance rates and potential license suspension.
| Violation | Points | Insurance Impact |
|---|---|---|
| Speeding (1–15 mph over) | 1–2 | +10–20% |
| Running a red light | 2–3 | +15–25% |
| At-fault accident | 2–4 | +30–50% |
| DUI/DWI | 6–8 | +80–200% |
| Reckless driving | 4–6 | +50–100% |
In most states, points remain on your driving record for 3–5 years. Insurance companies typically look at the last 3 years of your record when setting rates. Some serious violations like DUI can affect your rates for 5–7 years.
SR-22 is a certificate your insurer files with the state proving you have minimum required coverage. It's required after serious violations like DUI, driving without insurance, or too many points.
Contact your insurance company immediately when you move. Your current policy may cover you temporarily, but rates will likely change based on your new state's requirements.
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