Does a seatbelt ticket affect insurance rates?

I was bad and drove without my seatbelt. I got pulled over, and I got a ticket. Does a seatbelt ticket affect insurance rates? How much will this end up costing me long-term?

Matt Terzi · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes, a seatbelt ticket can affect
car insurance
rates. Your premium might increase by 1 to 3 percent as a result of a seatbelt ticket, or more if you had other moving violations as well.
There are lots of factors that go into whether or not a seatbelt ticket will affect your insurance rates. For instance, most states consider not wearing your seatbelt to be a moving violation, while others don’t. And moving violations typically spike your insurance rates.
Your passengers need to wear their seatbelts, too. In some states, the driver alone will get ticketed, while other states will ticket your passenger too. Either way, it’s a good idea to get in the habit of not driving until you’ve confirmed everyone is buckled in.
You can usually offset the rate hikes by taking a defensive driving course, which not only makes you a safer driver but also can remove points from your license and reduce your car insurance premiums, too.
Another great way to reduce your car insurance rates involves shopping for a better, cheaper policy with the
Switching policies can drastically reduce how much you’re paying for car insurance, and Jerry helps you comparison shop among the top insurance providers in your area, working with more than 50 companies across the country to find you the best rates.
Download Jerry and give it a try. You could end up saving hundreds or even thousands of dollars per year on car insurance. And please, always wear your seatbelt!
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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