Auto insurance rates will undoubtedly increase after a reckless driving conviction, and it’s easy to see why. Receiving a reckless driving ticket shows insurance companies that the driver has the potential to take unnecessary risks when operating a motor vehicle. these risks can lead to accidents with costly insurance claims for injuries or property damage.
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Here’s a look at how much car insurance rates go up after a reckless driving ticket.
How does a reckless driving ticket affect car insurance?
Aggressive driving and getting caught can definitely cause your car insurance rates to go up, but how much will go up will depend on factors like where you live and any other convictions on your driving record.
A reckless driving conviction is generally considered a “serious offense” by insurance companies, along with convictions such as drunk driving, racing, and hit-and-run. Your auto insurance policy may not be renewed by your insurer at the time of renewal after a reckless driving conviction.
car insurance increases by company for reckless driving
We looked at the rates from the big auto insurance companies for drivers with a reckless driving conviction and found that:
- The United States had the cheapest average annual premium for those receiving a reckless driving ticket, even after an average rate increase of 47%. but usaa car insurance is only available to military, veterans and their families.
- erie had the second cheapest average annual premium for those receiving a reckless driving ticket, with an average rate increase of just 19%.
- While the average rate increase for someone with a reckless driving ticket was as low as 19% and as high as 115% depending on the company, the average rate increase across all the companies we analyzed was 61%.
- A first conviction for reckless driving in Florida can result in up to 90 days in jail, a fine of $25 to $500, or both.
- A second conviction can result in up to six months in jail or prison, a fine of $50 to $1,000, or both.
- A first reckless driving ticket can result in up to 30 days in jail and a fine of up to $300.
- A second offense within 18 months of the first can result in up to 90 days in jail and fines of up to $525.
- A third offense within the same timeline can carry up to 180 days in jail and fines of up to $1,125.
car insurance increases by state after fine for reckless driving
Florida drivers get the lowest average rate increase after a reckless driving conviction, with only a 37% increase. Michigan drivers are hit with the highest average rate increase at 163%.
what happens if you are convicted of reckless driving?
If you are convicted of reckless driving, the penalties can include fines, points on your license, suspension of your license, and jail time. penalties vary by state, but generally increase the more times you are convicted of the same crime.
A reckless driving conviction is more serious than a speeding ticket. it is a criminal charge that you may need to disclose when you apply for certain jobs, join the military, renew your security clearance, or apply for a green card. In many states, a reckless driving conviction will go on your criminal record and show up on background checks.
penalties for reckless driving in california
In California, anyone who “drives a vehicle on a highway with willful or wanton disregard for the safety of persons or property is guilty of reckless driving.”
Most reckless driving convictions in California carry up to five days (but no more than 90 days) in jail in a county jail, a fine of up to $1,000, or both.
penalties for reckless driving in florida
in florida, anyone who drives any vehicle “with willful or wanton disregard for the safety of person or property” can be found guilty of reckless driving. Penalties may vary depending on the number and severity of violations. for example:
There may be additional penalties for drivers convicted of reckless driving who also damage property or cause accidents resulting in serious injury.
illinois reckless driving penalties
Anyone convicted of reckless driving in illinois is charged with a misdemeanor.
Generally speaking, a person charged with reckless driving in Illinois can face up to a year in prison and a fine of up to $2,500. Drivers convicted of reckless driving two or more times in a 12-month period could have their driver’s license suspended.
If an accident resulting from reckless driving causes bodily harm, permanent disability, or disfigurement to another person, the charge level may increase to aggravated reckless driving. Since it is a felony, it can carry up to three years in prison and a fine of up to $25,000.
penalties for reckless driving in new york
reckless driving in new york is defined as operating a vehicle “in a manner which unreasonably interferes with the free and proper use of the public roadway, or unreasonably endangers road users.”
reckless driving is a misdemeanor in new york and the consequences may depend on how many violations the driver has committed.
Each violation can add up to five points to a person’s driver’s license, which can dramatically affect auto insurance rates.
pennsylvania reckless driving penalties
Under Pennsylvania law, “any person who operates any vehicle with willful or wanton disregard for the safety of persons or property is guilty of reckless driving.”
Anyone charged with reckless driving in Pennsylvania can be fined up to $200. Reckless driving convictions also come with a mandatory six-month driver’s license suspension.
penalties for reckless driving in texas
Penalties for misdemeanor reckless driving in texas can include up to 30 days in county jail, a fine of up to $200, or both. Repeated reckless driving convictions can lead to driver’s license suspension.
In texas, driving is generally considered reckless if you engage in more than one dangerous activity. for example, speeding can lead to a reckless driving ticket if you are found to have put the lives of others at risk or if you combined speeding with other dangerous activities, such as failing to signal before turning or entering and get out of traffic.
We calculated the average rate increases from 13 car insurance companies across the country for drivers who had received a reckless driving ticket. these rates are based on drivers with collision and comprehensive insurance and 100/300/100 coverage.
auto insurance rates are from quadrant information services, an insurance data analytics company, as of July 2022.