How Road Rage Affects Car Insurance Rates

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Woman at steering wheel (Photo: @DimaBerlin via Twenty20)
Sometimes it’s not easy to keep your cool in bad traffic conditions. Tempers flare, folks get angry, and the ugly side of people starts to show. But the next time you’re stuck in traffic and are about to yell at the driver in front of you, you might want to consider taking a deep breath and turning up the radio instead.
Giving in to road rage can affect both your driving record and your car insurance rates. Here are some of the consequences of aggressive driving.

Traffic Violation Tickets

If you use your car to hit the car in front of you because you are mad at the driver, it can be called road rage. Depending on the state you live in, the type of traffic violation ticket you’ll get if pulled over for road rage will differ. Some states consider road rage a misdemeanor and classify it as aggressive driving. As such, you will be ticketed to reflect that offense.
However, in other states, if you use your car to assault another’s property and are arrested for road rage, it’s considered a felony. In this case, you could lose your license, face hefty fines, and even spend time in jail.

Suspension of Driver’s License

If you’re found guilty of road rage, your driver’s license may be suspended. The length of the suspension depends on the state in which the offense occurred, your driving record, number of previous traffic violations, and fines due. You may also be required to take anger management and safe or defensive driving courses before they will reinstate your license.

Higher Insurance Rates

If your insurance company finds out you’ve been found guilty of road rage, your insurance rates will go up. The increase will most likely be significantly higher. Drivers who suffer from road rage have an increased chance of causing an accident, driving while under the influence, and taking risks while driving.
And while your insurance company cannot cancel your current policy as long as you pay your premiums, it does have the option to not renew it when its term ends. Your new provider will consider you a risk and if you do not disclose you were convicted of road rage and the company finds out, it can cancel your policy due to false information.

Classified as High-Risk Driver

When convicted of road rage, you will be classified by insurance companies as a high-risk driver. This equates to higher car insurance rates. High-risk drivers are associated with moving traffic violations, accidents, reckless driving, aggressive driving, road rage offenses, drunk driving, and other negative driving practices.
Even if you do find a company that will insure you as a high-risk driver, they may have exclusions on your policy of incidents that they will not pay for and will not cover you for. Typically, they will be incidents related to acts of road rage or things of similar nature.