The 7 most expensive moving violations in 2015

most expensive moving violations 2015 It's widely known that getting a ticket for a moving violation can lead to higher car insurance costs. 

But you may not realize exactly how much more you can wind up paying after only one violation.

The second annual moving violations study commissioned by revealed that your annual bill for auto insurance could rise by as much as 92 percent, depending on the type of offense.

Insurance companies pay close attention to moving violations. Citations for especially dangerous behaviors, such as driving recklessly or driving under the influence (DUI), typically result in the greatest premium hikes.

"The biggest rate increases come as the result of violations that are likely to cause injuries to people and damage to vehicles," says Karl Newman, president of the Seattle-based NW Insurance Council trade group. "Insurance rates reflect driver behavior."

Here are the seven most costly moving violations nationwide -- along with some useful savings and safety tips.


most expensive moving violations 2015 speeding 1 15

7. Speeding 1-15 mph over the limit

Average rate increase: 20.54 percent

The study found that driving 1 to 15 mph over the speed limit will raise your insurance rate by 20.54 percent on average.

Savings tip: Janet Ruiz, a spokeswoman for the nonprofit Insurance Information Institute, says one way to save money on car insurance after a rate hike is to shop around.

"We recommend (getting) at least three price quotes," Ruiz says. "You can contact companies directly, or you can access information on the Internet."


most expensive moving violations 2015 driving wrong way

6. Driving the wrong way

Average rate increase: 21.34 percent

If you drive the wrong way on the highway, expect a hefty price hike. The study found that your premium will rise 21.34 percent on average.

Savings tip: Ruiz says one way to lower your bill is to buy your auto and home insurance policies from the same carrier. This practice often is called "bundling," and it can result in significant savings, depending on your carrier, she says.


most expensive moving violations 2015 careless driving

5. Careless driving

Average rate increase: 26.62 percent

Your driving history is one of the main factors used by carriers to determine your auto insurance premium. If you're cited for careless driving, your annual auto insurance cost will rise an average of 26.62 percent, according to the study.

Savings tip: You can reduce your costs by maintaining a good credit record. In most states, insurers are allowed to consider your credit information when pricing your policy, Ruiz says. 

California, Hawaii and  Massachusetts are the only states that don't allow insurers to use credit records when setting rates.


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4. Speeding 16-30 mph over the limit

Average rate increase: 28.06 percent

Driving between 16 and 30 miles over the speed limit could cause your car insurance premium to rise by about 28 percent. Kevin Foley, a New Jersey insurance agent, says excessive speed is especially dangerous  during winter driving conditions, when roads are slippery.

Safety tip: Adjust your speed to weather conditions, Foley advises.


most expensive moving violations 2015 speeding 31

3. Speeding 31 mph or more over the limit

Average rate increase: 29.26 percent

If you're caught driving 31 mph or more beyond the speed limit, your premium will rise by 29.26 percent on average.

Many drivers underestimate the danger of speeding, Newman says.

"Speeding is something some drivers rationalize as a victimless crime," he says. However, "the difference between a fender-bender and a fatality can be the speed of the at-fault driver."

Safety tip: The AAA federation of motor clubs warns that steering on slippery roads requires smooth and careful movements. You can avoid skids by anticipating lane changes, turns, and curves and slowing down in advance.


most expensive moving violations 2015 reckless driving

2. Reckless driving

Average rate increase: 83.29 percent

One citation for reckless driving will send your rate soaring by more than 80 percent on average. Insurers consider reckless driving to be more more serious than careless driving because it involves a deliberate disregard of traffic laws.

Safety tip: When you see a reckless driver headed your way, such as a tailgater or someone who’s aggressively changing lanes, Foley says it's best to pull off the road -- if you can do so safely -- until that driver has passed.


most expensive moving violations 2015 dui

1. DUI / DWI

Average rate increase: 92.49 percent

Getting cited for driving under the influence (DUI) of drugs or alcohol results in your premium nearly doubling, the study found.

In 2012, alcohol-impaired driving crashes accounted for nearly one-third of all traffic-related deaths in the U.S, according to the Centers for Disease Control and Prevention. 

Savings tip: If your car insurance costs rise, Ruiz says you may be able to reduce them by requesting a higher deductible, the amount you must pay before your insurance kicks in.

"For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage costs by 15 to 30 percent," she says.

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