Can a traffic citation affect car insurance rates?

A traffic citation can indeed lead to increased premiums. When a driver receives a citation, it signals to insurance companies that the driver may pose a higher risk. Insurers typically assess risk based on driving behavior and frequency of violations. A citation indicates a potential pattern of unsafe driving, thus prompting insurers to raise premiums to mitigate their risk exposure.

Insurance companies monitor driving records and adjust rates accordingly. Even a single citation can impact a driver's insurance costs, especially if it involves serious offenses, such as reckless driving or DUI. This policy helps insurers maintain profitability and encourages safer driving behavior. In essence, citations are reflected in risk assessments, and resulting adjustments to premiums are a direct reflection of that increased risk perception.