Do parking tickets increase car insurance rates?

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Call for FREE quotes: (888) 442-5133

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed byBrad Larsen
Licensed Auto Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/cheapcarins-live/daeea45a-brad-larsen.jpg

UPDATED: Mar 13, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Enter your zip code above to get FREE car insurance quotes today!

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.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

 Secured with SHA-256 Encryption

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.

Enter your zip code below to get FREE car insurance quotes today!

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

Start Saving on Car Insurance!

Enter your zip code below to compare rates from the top companies in your area

 Secured with SHA-256 Encryption