Car insurance rate increases after reckless driving ticket – Forbes Advisor

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Auto insurance rates will undoubtedly increase after a reckless driving conviction, and it’s easy to see why. Receiving a reckless driving ticket shows insurance companies that the driver has the potential to take unnecessary risks when operating a motor vehicle. These risks can lead to accidents with costly insurance claims for injury or property damage.

Here’s a look at how car insurance rates increase after a reckless driving ticket.

How does a reckless driving ticket affect car insurance?

Driving aggressively and getting caught can certainly increase your auto insurance premiums, but how much they increase may depend on factors such as where you live and any other convictions on your driving record.

A reckless driving conviction is generally considered a “major violation” by insurance companies, along with convictions such as drunk driving, racing, and hit and run. It is very possible that your insurer will not renew your car insurance policy at renewal time after a reckless driving conviction.

Car insurance increases by company for reckless driving

We analyzed major auto insurance companies’ rates for drivers convicted of reckless driving and found that:

  • The USAA had the lowest average annual premium for those with a reckless driving ticket, even after an average rate increase of 47%. But USAA auto insurance is only available to military personnel, veterans, and their families.
  • Erie had the second lowest average annual premium for those with a reckless driving ticket, with an average rate increase of just 19%.
  • While the average rate increase for someone with a reckless driving ticket was as low as 19% and as high as 115% depending on the company, the average rate increase across all companies we analyzed was 61%.

Auto insurance increases by state after reckless driving ticket

Florida drivers get the lowest average rate increase after a reckless driving conviction, with just a 37% increase. Michigan drivers are impacted by the largest average rate increase at 163%.

What happens if you are found guilty of reckless driving?

If you are found guilty of reckless driving, penalties can include fines, points on your license, suspension of your license and jail time. Penalties vary by state, but generally get worse the longer you are convicted of the same offense.

A reckless driving conviction is more serious than a speeding ticket. This is a criminal charge that you may need to disclose when applying for certain jobs, enlisting in the military, renewing your security clearance, or applying for a green card. In many states, a reckless driving conviction will go on your criminal record and show up on background checks.

Penalties for reckless driving in California

In California, anyone who “operates a vehicle on a freeway in willful or wanton disregard for the safety of persons or property is guilty of reckless driving.”

Most reckless driving convictions in California carry up to five days (but no more than 90 days) in a county jail, a fine of up to $1,000, or both.

Penalties for reckless driving in Florida

In Florida, anyone who operates a vehicle “in willful or wanton disregard for the safety of persons or property” can be convicted of reckless driving. Sanctions may vary depending on the number and severity of violations. For instance:

  • A first conviction for reckless driving in Florida can result in up to 90 days in jail, a fine of $25 to $500, or both.
  • A second conviction can result in up to six months in jail or jail, a fine of $50 to $1,000, or both.

There may be additional penalties for drivers who are found guilty of reckless driving and also damage property or cause accidents resulting in serious injury.

Penalties for reckless driving in Illinois

Anyone convicted of careless driving in Illinois is charged with a misdemeanor.

Generally speaking, a person charged with reckless driving in Illinois can face up to a year in jail and a fine of up to $2,500. Drivers found guilty of reckless driving two or more times in a 12-month period could have their driver’s license suspended.

If an accident resulting from reckless driving causes bodily harm, permanent disability or disfigurement to someone else, the level of the charge may increase to aggravated reckless driving. As it is a felony, it can result in up to three years in prison and a fine of up to $25,000.

Penalties for reckless driving in New York

Reckless driving in New York is defined as driving a vehicle “in a manner that unreasonably interferes with the free and proper use of the highway, or unreasonably endangers the users of the highway “.

Reckless driving is a misdemeanor in New York, and the consequences can depend on the number of violations a driver commits.

  • A first ticket for reckless driving can result in up to 30 days in jail and a fine of up to $300.
  • A second offense within 18 months of the first can result in up to 90 days in jail and fines of up to $525.
  • A third offense within the same time frame can result in up to 180 days in jail and fines of up to $1,125.

Each violation can add up to five points to a person’s driver’s license, which can have a significant impact on car insurance rates.

Penalties for reckless driving in Pennsylvania

According to Pennsylvania law, “any person who operates a vehicle with willful or wanton disregard for the safety of persons or property is guilty of reckless driving.”

Anyone charged with reckless driving in Pennsylvania can be fined up to $200. Reckless driving convictions also come with a mandatory six-month driver’s license suspension.

Penalties for reckless driving in Texas

Penalties for misdemeanor reckless driving in Texas can include up to 30 days in county jail, a fine of up to $200, or both. Repeated convictions for reckless driving can lead to license suspension.

In Texas, driving is generally considered reckless if you are engaged in more than one dangerous activity. For example, speeding can result in a reckless driving ticket if you are found to have endangered the lives of others or if you have combined speeding with other dangerous activities such as not signal before turning or weaving through traffic.

Best car insurance companies 2022

With so many choices for car insurance companies, it can be difficult to know where to start to find the right car insurance. We’ve rated insurers to find the best car insurance companies, so you don’t have to.

Methodology

We calculated the average rate increases from 13 auto insurance companies nationwide for drivers who received a reckless driving ticket. These rates are based on drivers with collision and all perils insurance and 100/300/100 coverage.

Auto insurance rates are from Quadrant Information Services, an insurance data analytics company, as of July 2022.


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Justin D. O'Neill