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Does negligent driving affect insurance?
I was ticketed for negligent driving earlier this month. While I paid the fine and everything is good legally speaking, I’m worried that my upcoming car insurance renewal will increase my rate. Will a negligent driving ticket affect my insurance?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
While not as bad as reckless driving, negligent driving or careless driving can drastically increase your car insurance rates. Regardless of what
distraction
caused the negligent driving, it’s a ticket that catches the attention of insurers and makes you more of a perceived risk.According to statistics, a negligent driving ticket can increase your insurance premiums by 25% to 50%, depending on your prior driving history and other factors. Because of the huge costs associated with a negligent driving ticket, the best bet is to avoid it altogether.
Some tips to avoid negligent driving include:
- Avoid distractions, such as the radio or your phone.
- Leave for your destination early so you aren’t rushed.
- Don’t speed.
- Don’t tailgate.
- Avoid passing in a no-passing zone.
- Keep an eye out for construction zones.
- Never roll through a stop sign or run a red light.
While you can’t change the fact that you received a negligent driving ticket, you also don’t have to pay more than necessary for your insurance. That’s when the
Jerry
app can come in handy.As a licensed broker, Jerry helps you find and compare quotes from over 50 top providers in minutes. When you find a better rate, Jerry can help you buy your new coverage and even help cancel your old policy!
View full answer
- Gregory R.
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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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