How Traffic Violations Affect Your Insurance Rates (2026 Texas Guide)

You may be wondering how a speeding ticket or another infraction will impact your insurance rate. Unfortunately, any traffic violation will have an impact on your car insurance rates. However, the specific increase will depend on the nature of the ticket that you received and your past history. In general, traffic violations are much more likely to significantly affect your rates for young drivers and individuals who are already considered high-risk for other reasons. Here are a few of the most important things to know:

1. If you were caught speeding, how fast you were going is important

On average, Texas drivers will find that their car insurance rates go up by 15% after a speeding ticket. If you were going 30 miles per hour or more over the speed limit, the increase in your rates is likely to be especially significant. Also, other circumstances will make a difference, such as whether you received other violations in addition to the speeding ticket.

2. Non-moving violations will not impact your rates

If you receive a parking ticket or another non-moving violation, it’s not likely to impact your car insurance rates. The only time that a parking ticket could impact your car insurance rates would be if you did not pay the fine.

3. DUIs can have an especially serious impact

While it is possible to get car insurance after a DUI, this offense can have a very serious impact on your car insurance rates, and the impact of this offense will last for 10 years. On average, car insurance rates go up 94% after a DUI during the first year. Second and third-year rates are increased by over 60% on average.

4. The impact of minor moving violations is variable

A minor traffic violation, such as running a red light or stop sign, will immediately raise car insurance rates for some people. However, in other cases, these offenses will not immediately raise an individual’s car insurance rate significantly. Some drivers will not notice their rates go up unless there have been multiple minor traffic tickets.

All Star Insurance offers low rates

If you have a traffic violation on your driving record, we’re still the best choice for Texas car insurance coverage. Not only do we offer exceptionally comprehensive plans, but you can be sure that our policies are of great value!