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?

Answer provided by
Emily Maracle
Answered on Jun 11, 2021
“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. “

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