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How long does a moving violation affect insurance?
I recently got a moving violation and I’m expecting my insurance to go up. I’m okay with this as long as it’s only for a year or two. For how long will a moving violation affect my insurance?
Rob Shapiro · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s too bad about your moving violation! Moving violations usually affect insurance for three to five years. You should expect to pay a higher rate and premium during that time.
While it varies per state and insurance company, even minor moving violations can spike an insurance rate. Although some minor violations are often forgiven by a provider.
Moving violations include the following offenses and you want to make sure you avoid committing any of them.
- Following too closely
- Not yielding to the right of way
- Speeding
- Reckless driving
- Improper turns
- Crossing a railroad grade
- Not obeying a traffic control device
To maintain a low rate, you need to maintain a perfect driving record. It takes time, patience, and careful driving—all of which every driver is capable of.
Some other tips to get a low rate include:
- Comparison shopping
- Accepting a higher deductible
- Buying an older car
- Getting your home and car insurance from the same company
- Having a strong credit score and record
- Looking into discounts, including low mileage discounts if you don’t drive a lot
But even if you have some violations on your record,
Jerry
, the car insurance comparison super app, can help reduce your car insurance costs
. Download the free Jerry app and gain access to a pool of 55+ top-rated partner companies. You can browse more affordable rates and competitive quotes in real-time. The shopping experience with Jerry is easy, simple, and second to none. Users save an average of over $800 annually!
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- 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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