What’s The Worst Thing I Can Do To Drive My Insurance Rates Up?

Driver With Racing Helmet in Car

People do crazy things behind the steering wheel. We all know this. You may have seen something that you think is crazy today.

But, at least as far as your insurance company is concerned, what is the worst thing you can do? What are the driving violations that can increase your insurance rates the most? Each of these violations will continue to make you pay for insurance for three years after they occur.

We compared the worst driving offenses to determine which one will put the biggest dent in your wallet (and your fender)

Tournament Bracket Of Worst Driving Offenses

Round 1 Results

Speeding vs Driving Too Slow

Classic showdown. The tortoise and the hare. At first glance, this should be a runaway victory (ha!). In this case, speeding is the more serious of these two infractions, but driving too slow will bring you closer than you think.

Nationwide, speeding tickets will increase your insurance rate by 23% annually, or an average of $ 341. If you get a ticket for driving too slowly, it will increase your rate by an average of 21%, or $305.

Good effort from the slowpokes, but the leadfoots move on.


Suspended License With a Surprise Win

The closest showdown in this round is driving with a suspended license. Driving around with a suspended license may seem inconspicuous, not nearly as serious as causing an accident, but from an insurance perspective, the situation is worse. If found to be at fault, your national average rate will increase by 42% (approximately $ 617), and your revoked license will increase by more than 62% ($ 918).

Driving With A Suspended License Can Raise Your Insurance Up To 62%

Final Four

None of These Are Good

Three of the four semi-finalists will have their annual fees soared by more than $1,000, so the suspended licenses are removed from here and enter the finals. On the other hand, this is a close race between drunk driving and reckless driving; both will increase your insurance premiums by more than 70%, but DUI is equivalent to paying about $50 more in insurance payments each year.

Three of the top four will cause your rates to soar more than $1,000 per year.

Hit & Run vs DUI

Battle of the Worst Offenders

These two items will increase your insurance more, but leaving the scene of the accident or hit and run will increase your auto insurance premium more than any other accident or violation, with an average increase of 82%!

Three-quarters of the states declared that leaving the scene of the accident would have the greatest impact on their annual auto insurance premiums (Hawaii suffering the most). In the Aloha state, your pay will increase almost 4 times. Of course, the best outcome is to avoid such incidents to reduce your annual premiums as much as possible.

The Two Biggest Increases To Iisurance Premiums

Please complete the form below for a quote.

What are you shopping for?(Required)
By filling out this form, I authorize Ovation Insurance to communicate with me via text messaging
What state do you live in?(Required)


Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Ovation Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!

Call Email Claims Payments