Why does a speeding ticket cause my car insurance to rise?

6 On Your Side Answers: Why does a speeding ticket cause my car insurance to rise?

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By DON DARE
6 On Your Side Consumer Investigator

KNOXVILLE (WATE) - Speeding may cost you more than just being slapped with a major traffic violation. It can also hike up the costs of your car insurance.

Dennis from Knoxville asked: "I was shocked how much a speeding ticket increased my insurance bill. How come?"

A new vehicle insurance study found that premiums can climb significantly, depending on the type of moving violation you were involved in. The most costly is a driving under the influence.

The nationwide study found that car insurance premiums can climb by more than 90 percent for one DUI conviction.

With a reckless driving charge, insurance premiums may spike by more then 80 percent, according to the study by InsuranceQuotes.com.

While each state has it's own definition, reckless driving is typically considered a blatant disregard of traffic laws that intentionally makes it riskier for others on the road.

On the other hand, if charged with a careless driving offense, the national average insurance increase is 27 percent.

Careless driving is defined as an unintentional act that causes a risk to others, as opposed to the intentional or blatant act of reckless driving.

For instance, drag racing and road rage are examples of reckless driving offenses, while careless driving includes offenses like switching lanes without signaling or following another car too closely.

The survey found that speeding 31 miles an hour over the limit will increase insurance premiums by an average of 30 percent, while speeding up to 15 miles an hour over the limit jacks up the premium by 21 percent.

Of course, in Tennessee as in other states, attending a state sponsored driving class can remove one or possibly two moving violations from your record.


You can see Don Dare's 6 On Your Side Answers every Tuesday and Thursday on 6 News at 4:00.

If you have a question you can send Don an email at ddare@wate.com or call his 6 On Your Side hotline at (865) 633-5974.

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