Do parking tickets increase car insurance rates?

While not impossible, it’s unlikely that parking tickets will increase your car insurance rates. No data supports the theory that parking tickets increase a driver’s risk-level, but if you were ticketed on top of being in an accident or charged with a DUI, you may see your auto insurance rates increase. Keep your car insurance rates as cheap as possible by maintaining a good driving record and comparison shopping online with us every six months.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 24, 2020

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In a nutshell...

  • Car insurance premiums are based on the future risk of a driver filing a claim
  • You should always pay for parking tickets as soon as possible
  • Almost all municipalities in America have laws requiring police to provide written notice of when and where to pay the fine

Without diplomatic immunity, no driver is immune to parking tickets and very few people can claim they have never received any parking violation.

The bad news is if you do not pay a parking ticket right away the fine could severely increase, and your driver’s license and vehicle registration may be automatically suspended without notice in many states.

Young drivers with already high car insurance premiums not to pay attention to parking tickets as fines can often double or triple if not paid within a brief period.

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Do parking tickets affect car insurance rates?

Car insurance premiums are based on the future risk of a driver filing a claim, and no data supports the theory that drivers who get parking tickets warrant any more dangerous than drivers who do not.

While moving violations such as running a red light, driving under the influence and excessive speeding all contribute to a higher risk forgetting to put 25 cents in the meter does not.

The only traffic violations which affect car insurance premiums are items like failure to wear a seatbelt, violating motorcycle helmet laws or other things which lead to a potentially higher claim in the event of an accident.

It’s also important to note that all car insurance companies measure risk different, but at the moment we know of no car insurer who penalizes a policyholder for getting 1 or 10 parking tickets.

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How long do I have to pay a parking ticket?

You should always pay for parking tickets as soon as possible. The consequences of not paying parking ticket may seem light on the surface, but in fact, any failure to pay can have serious repercussions.

If a parking ticket is not paid within the given timeframe, then the local government may have laws which automatically suspend your vehicle registration until the card is spent.

If you are driving with an expired registration, you could face hefty fines including loss of your vehicle until the record is renewed.

Where do I pay parking tickets?

Almost all municipalities in America have laws requiring law enforcement to provide written notice of when and where to pay the fine at the time of ticketing.

However, if you did not receive notice then call the county police department where you received the ticket, and they can put you in touch with the right department.

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References:

  1. https://www.thebalance.com/best-car-insurance-for-drivers-with-tickets-or-accidents-4158789
  2. https://www.geico.com/motorcycle-insurance/
  3. https://www.iii.org/publications/insurance-handbook/insurance-basics/auto-insurance-basics
  4. https://www.thebalance.com/traffic-violations-on-insurance-record-3969098

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