The Real Cost of Moving Violations

Man giving his drivers licence. Drivers tend to have an acceptance of light speeding, failing to yield, tailgating, failing to use a turn signal or seatbelt. Many drivers take it upon themselves to follow a slow driver too slowly, or tailgate them, in order to increase their own speeds. This normal situation is one that already involves two moving violations, and could lead to many others, such as failure to stop, or improper passing. But these seemingly common moving violations do incur high costs for drivers’ insurance.

Cost: Your Day in Court

Drivers have two options when faced with a moving violation. The first is to plead guilty, meaning that the ticket will be paid. This often prompts an increase in insurance rates along with the monetary cost of the tickets, mandatory driving school, and points on one’s driving record—which can lead to a loss of license. The process of paying a ticket also takes time as one has to go through the process of paying online, mailing the ticket to traffic court, or delivering the ticket in person. The second choice drivers have is to plead not guilty and fight the ticket. Along with the cost of an attorney or self-representation, this option leads to court fees. Drivers can potentially be found guilty and have to handle all costs associated with the first option, along with the time and money spent at court.

Cost: Your License Suspended

There are factors that can increase the already steep costs of moving violations as, several of these can lead to a suspension of one’s license. These include drinking under the influence (DUI) offences, endangering pedestrians, and causing a serious accident. The costs of these infractions increases when combined with one another, especially with regard to DUI violations. Extreme speeding – 15 or more miles per hour over the limit – can also result in license suspension. Along with the violations listed earlier, the price of a ticket can increase due to being an out of state driver, or a habitual offender.

Cost: Your Insurance Premiums Increase

Many common moving violations do cause a substantial increase in insurance premiums. A survey from the Quadrant Information Services details the exact increases that many of these moving violations have. The national average premium increases are as follows:

  • DUI caused an average increase of 93.49% in 2015, and 94.32% so far in 2016.
  • Speeding, one of the most common violations by drivers everywhere causes substantial increases in the cost of the insurance premium.
    • Speed 1-15 MPH over the limit increased the premium by 20.54% and 21.11% so far this year.
    • Speeding 16-30 MPH over the limit caused an average increase of 28.06% in 2015, and 27.86% in 2016.
    • Speeding 31 + MPH over the limit caused an average increase of 29.26% in 2015, and 29.39% in 2016.
  • Following too close, or tailgating, caused an increase of 19.34% this year alone.

Moving violations are not ideal for any driver and most drivers try to avoid the costs associated with them, by driving carefully and focusing on not violating any traffic laws. But, accidents are bound to happen no matter how safe a particular driver is. Automobile insurance is necessary for all drivers, but having high quality, reliable insurance is key to lowering the costs of moving violations. TJ Woods, is a company that offers just that, along with ways to increase your safety behind the wheel at our Learning Library. To learn more about your options for auto insurance, get a free quote today!