Can a traffic citation impact car insurance rates?

When a driver receives a traffic citation, it is likely to impact their car insurance rates. Insurance companies typically assess a driver's history when determining premiums, and violations such as speeding tickets or other moving violations can indicate a higher risk for future claims. As a result, insurers may raise the premiums for drivers who have recent citations on their records, as they are viewed as more likely to engage in risky behavior on the road.

In general, traffic violations signal to insurers that the driver may be more prone to accidents, which directly influences the cost of coverage. This is why the correlation between traffic citations and increased premiums is significant and well-acknowledged in the insurance industry.

While it's true that there can be various consequences related to citations, such as impacting coverage options or driver's license statuses, the direct and common outcome is often an increase in insurance rates. Therefore, acknowledging the potential for increased premiums due to traffic violations is crucial for understanding the broader implications of receiving a citation.