“Your driving record is one of the main factors that car insurance
companies use to determine your premium. The more accidents and tickets you have, the higher your risk to insure. As a result, most insurers will quote you a higher rate due to your poor driving history.
However, how much your car insurance will increase isn’t easy to determine. On average, a lone accident will increase your rates
by up to 38%
while a ticket may increase your rates from 22% to 30%
. The age of your violations is important as well. After three to five years, tickets and accidents won’t impact your rate as much.
Carriers also look at your age, credit history, location, and type of vehicle you drive as other determinants of your car insurance rates.”