Traffic violations can have a significant impact on your car insurance rates in Washington State. Insurance companies assess risk based on your driving record, and any moving violations can result in increased premiums. The severity of the violation, the number of infractions on your record, and your overall driving history all play a role in determining how much your rates will rise.

Minor vs Major Traffic Violations

Minor infractions, such as speeding a few miles over the limit or failing to signal, may lead to modest rate increases. However, more serious violations like reckless driving, excessive speeding, or driving under the influence (DUI) can result in substantial premium hikes, sometimes doubling or tripling your existing rates. Insurance providers view these infractions as indicators of higher risk, and they adjust premiums accordingly to account for the potential cost of future claims.

How Long Do Violations Stay on Your Record?

In Washington State, most traffic violations remain on your driving record for several years. Speeding tickets and other minor offenses typically stay on record for three years, while more severe violations, such as DUIs, can impact your insurance rates for five to ten years. Multiple infractions within a short period can also lead to a designation as a high-risk driver, making it more difficult and expensive to obtain coverage.

Reducing the Impact on Insurance Rates

Some drivers may have the option to mitigate the impact of a violation on their insurance rates. Contesting a ticket in court and having it dismissed can prevent it from affecting your record. In some cases, completing a defensive driving course may help reduce points on your record or demonstrate to insurers that you are taking steps to improve your driving habits.

Finding Affordable Coverage After a Violation

If your rates increase due to a traffic violation, shopping around for different insurance providers may help you find more affordable coverage. Some companies offer accident forgiveness or specialized programs for drivers looking to rebuild a clean record. Additionally, maintaining a good driving history going forward and avoiding further infractions can gradually lower your premiums over time.

If you have received a traffic citation and are concerned about its impact on your insurance rates, the Law Office of Erin Bradley McAleer can provide legal guidance to help protect your driving record. Call us at (360) 334-6277 to discuss your case and explore your options for minimizing the consequences of a traffic violation.