Car Insurance Increases After a Reckless Driving Ticket

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Car insurance rates will undoubtedly go up after reckless driving, and it’s easy to understand why. Receiving a reckless driving ticket indicates to insurance companies that the driver has the potential to cause unnecessary accidents while driving. These risks can lead to accidents with expensive insurance coverage for personal injury or property damage.

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

How Does a Reckless Driving Ticket Affect Car Insurance?

Driving aggressively and getting caught can make your car insurance rates go up, but how much they will increase depends on things like where you live and other convictions on your driving record.

Suspicion of reckless driving is often considered a “serious violation” by insurance companies, along with convictions such as drunk driving, speeding, and hit and run. It is possible that your insurer will not renew your car insurance during the renewal process after a reckless driving incident.

Car Insurance Increases with a Reckless Driving Company

We analyzed rates from major car insurance companies for drivers with impaired driving and found that:

  • USAA had the lowest annual premiums for reckless driving ticket holders, even with a 47% interest rate hike. But car insurance from USAA is available to military, veterans and their families.
  • Erie had the second lowest annual rate for reckless driving ticket holders, with the rate increasing by just 19%.
  • While the increase in reckless driving tickets ranged from as low as 19% and as high as 115% depending on the company, the average rate for all the companies we analyzed was 61%.

Car Insurance Increases by the Government After a Reckless Driving Ticket

Florida drivers get the lowest rate of reckless driving, at just 37%. Michigan drivers are hit with the largest increase at 163%.

What Happens If You Are Convicted of Reckless Driving?

If you are charged with reckless driving, penalties can include fines, points on your license, suspension of your license and jail time. Penalties vary by state, but they usually increase the number of times you are convicted of the same crime.

Suspicion of reckless driving is more serious than a speeding ticket. It’s a crime you may need to disclose when you apply for jobs, join the military, renew your social security clearance or apply for a green card. In most states, reckless driving convictions go beyond your criminal record and show up on background checks.

Penalties for Reckless Driving in California

In California, anyone who “drives a motor vehicle on a highway with willful or reckless disregard for the safety of persons or property is guilty of reckless driving.”

Most reckless driving convictions in California come with five days (but not more than 90 days) in jail, a fine of up to $1,000 or both.

Penalties for Reckless Driving in Florida

In Florida, anyone who drives any vehicle “willfully or with wanton or willful disregard for the safety of persons or property” can be charged with reckless driving. Penalties can vary depending on the number and severity of the violation. For example:

  • A first reckless driving conviction 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, a fine of $50 to $1,000, or both.

There may be additional penalties for drivers who are guilty of careless driving and those who also damage property or cause accidents that result in serious injury.

Penalties for Reckless Driving in Illinois

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

Generally, a person charged with reckless driving in Illinois can face up to one year in jail and a $2,500 fine. Drivers convicted of reckless driving two or more times within a 12-month period can have their license suspended.

If a reckless driving accident results in bodily injury, permanent disability or disfigurement to another person, the amount of the fine can be increased to aggravated reckless driving. Since this 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 “in a manner that unreasonably interferes with the free and proper use of public highways, or endangers unduly dangerous users of public highways.”

Reckless driving is a misdemeanor offense in New York, and the consequences can depend on the number of offenses the driver has committed.

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

Each offense can add up to five points to a person’s license, which can significantly affect car insurance rates.

Penalties for Reckless Driving in Pennsylvania

According to Pennsylvania law, “any person who drives any motor vehicle with willful or reckless 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. A reckless driving offense also comes with a six-month driver’s license suspension.

Penalties for Reckless Driving in Texas

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

In Texas, driving is often considered reckless if you engage in a number of dangerous activities. For example, speeding can lead to a reckless driving ticket if you are found to be endangering the lives of others or if you combine speeding with other dangerous situations such as failing to signal before turning or entering and exiting.

Best Car Insurance Companies 2022

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

The way

We calculated 13 the number of car insurance companies around the world for drivers who received a reckless driving ticket. These rates are based on drivers hitting with full insurance and coverage of 100/300/100.

Car insurance rates are from Quadrant Information Servicesinsurance accounting firm, starting July 2022.