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How does a reckless driving ticket affect my insurance rate?
I was charged with reckless driving a few months ago and it’s time to renew my car insurance. How much will a reckless driving ticket affect my insurance rates? Should I be concerned?
Andrea Barrett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Reckless driving is a serious charge and it’s important to practice safe driving at all times going forward. Unfortunately, a reckless driving ticket is one of the more serious citations that can have a massive impact on your insurance premium. You could see up to an 84% increase in your insurance rates as a result.
Depending on the state and the insurance provider, the conviction can affect your premium for anywhere from 3 to 6 years. And on top of paying a higher premium, you’ll likely lose any driver discounts that were applied to your policy.
You may also be required to file an
SR-22
form after the charge. This verifies that you’re carrying the minimum amount of insurance as required by state law. Your rates will remain high until you no longer need the SR-22 form. Even if you have a reckless driving citation on your record, you’ll still want to make sure your car is protected. Car insurance genius
Jerry
can help you find the best rates on car insurance. Just download the Jerry app, enter your information, and Jerry will send you the most competitive quotes from 50+ insurance providers. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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