Do car insurance rates go up if you get a traffic ticket?

"I'm 20 and got a ticket for running a stop sign. I'm still on my parents' insurance and they're concerned their rates will go up. How quickly does that happen?"

“Policies are normally re-rated at renewal. This means every six or twelve months car insurance carriers have the ability to make any changes or adjustments to your rates.
If you’ve submitted a claim, gotten into an accident, or received a ticket, you’ll likely see your rates change at this time. Based on your age, the ticket may impact your rates more significantly than a more experienced driver.
Your parents can always reach out to their carrier directly. They may be able to provide them with additional information.
Insurance carriers also provide insured individuals with a renewal notice prior to their policy expiring. This will list their policy premium as well as any changes.
If the rate does increase, this is a great time for them to shop around with other carriers. They may be able to find a more affordable rate elsewhere.”
Emily Maracle
Answered on Jul 27, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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