What Drivers Should Know Before Paying That Fine
Almost every driver has been there — a surprise ticket under the wiper or a fine arriving in the mail. The question that follows:
Will this affect my insurance rates?
Here’s what you need to know.
Parking Tickets: Annoying, but Insurance-Neutral
Good news first: Parking tickets do not impact your insurance rates.
Parking violations aren’t considered moving violations, and insurance companies don’t factor them into your premium calculations. As long as you pay them promptly and avoid escalations like license suspensions, your insurance company likely won’t ever know about them.
Speeding Tickets: A Different Story
Speeding is a moving violation — and yes, it can affect your insurance.
- One minor speeding ticket (5–10 mph over)? Often no immediate impact.
- Multiple violations in a short timeframe? Rates will likely climb at renewal.
- Serious speeding (15+ mph over) or reckless driving? Could cause major increases or even make you ineligible for preferred plans.
Insurers typically review your driving record at policy sign-up and renewal, meaning a ticket today could impact your rates next term — even if it doesn’t show up immediately.
How Long Tickets Stay on Your Record
Most moving violations remain on your driving record for about three years. During that time, insurance companies can factor them into your pricing.
Some insurers are more forgiving, especially if you previously had a clean driving history. Choosing the right insurer matters more than many realize.
Can You Minimize the Impact?
- Take a defensive driving course — some insurers will offer discounts if you complete one after a ticket.
- Reshop your insurance — every company treats tickets differently.
- Avoid further violations — time and a clean record are your best tools.
Bottom Line
Tickets happen. How you handle them — and how you manage your insurance afterwards — makes all the difference.
If you’ve gotten a ticket and aren’t sure what it means for your coverage, talk to your agent. A little advice now can prevent bigger headaches later.
