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December 18, 2019
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How To Get Car Insurance When You Have A Lot Of Tickets

Despondent Driver Getting A Ticket

Many drivers have been issued a ticket at some point. Whether that ticket came from speeding to work, turning too late on a yellow light or missing a stop sign, many of us have had that gut-dropping moment when we see police lights go off in our rearview mirror.

Knowing your car insurance rates are likely to go up is almost worse than having to pay the ticket. If you’re a driver with a lot of tickets on your record, you may have higher insurance rates than most drivers with a clean record.

Can I Still Get Car Insurance If I’m A Risky Driver?

The short answer is yes. The long answer is that your insurance rates will be higher than usual because the insurance company is trying to cover the risk of insuring you. If you’re more likely to need their coverage, the companies are going to charge you more. If you’re a “high-risk” driver, your insurance rates will be even higher, and some companies may be reluctant to even sign you onto a policy.

How Much Does Car Insurance Go Up After A Ticket?

On average, your insurance rates may go up around 22 to 30 percent when you receive a ticket. Rates in North Carolina are particularly steep. If you’re caught going 11 to 16 miles per hour over the speed limit, your rates could jump 50 percent. If you have any discounts currently on your policy — such as a safe driver discount — a ticket may put those in jeopardy as well.

How Can I Stop My Insurance Rates From Going Up Because Of A Ticket?

If you decide not to contest a ticket and simply pay the fine, the ticket will most likely go on your driving record, which typically increases your insurance rates. You can try to contest your ticket or ask the court for a deferral. Explore your options to avoid having your insurance rates go up because of a ticket.

Where Can I Find Insurance As A High-Risk Driver?

There are some insurance companies known for insuring high-risk drivers. Talk to an ACF Insurance agent about your individual driving record and find a policy that best suits your driving habits.

Driving safely is the most important thing to do for you and other drivers on the road. But when accidents or tickets happen, know your options and make the right decisions when it comes to your auto policy.


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