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How long does reckless driving affect insurance?
Last year, I was cited for reckless driving, and had to pay a large fine, do community service, and take some driving courses. After my violation, my insurance rates jumped up quite a bit, and they still haven’t fallen back down. How much longer will my reckless driving violation impact my insurance rate?
Samuel Todd · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It sounds like you’ve really taken responsibility for your slip-up—good on you! Unfortunately, since reckless driving is a serious offense in the United States, that violation could continue to impact your insurance rate for three to five years. Exactly how long depends on several factors—most importantly, your state and your insurance company.
Some states, like Florida, have hefty penalties for reckless driving, which will likely bump up your insurance rates for longer. Often, a reckless driving conviction comes with an increase in driver points, which is one of the ingredients that insurers use to define your rate.
On the other hand, states like Ohio are more lenient when it comes to reckless driving—so the violation won’t impact your insurance for quite as long.
The second factor that determines how long your rates will stay high is your insurance company. This will vary by your specific company and policy, so it’s best to contact your provider to learn more.
Though it may be difficult to find affordable insurance after a reckless driving conviction,
Jerry
can help to keep your rates as low as possible. Jerry is a car insurance
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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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