Cars don't get tickets. Drivers do. But speeders tend to prefer many of the same cars. See which models rank highest and lowest overall, and find out how your own car stacks up in Insurance.com's Ticket Magnets rankings—based on more than 323,000 insurance quotes for drivers just like you. Once you get a ticket, you should compare car insurance quotes to see if you're still getting the best rate.
The company with the least expensive car insurance when you have a clean driving record often is not the cheapest with a ticket added into the mix. Consider the difference in monthly premiums in this example,* a 25-year-old male in ZIP code 94608 driving a 2013 Honda Civic with full coverage.
|Company||No tickets||Speeding 11-15 mph over limit|
The driver’s cheapest option with a clean record is the most expensive with a single speeding ticket; shopping around after a violation would save this driver $39 a month – a total of $468 a year.
Your current insurance carrier might turn out to be the cheapest after all, but you won’t know until you shop around.
While speeding tickets and other violations drive up your own insurance rates, a high number of tickets is not an indicator that a new car will be expensive to insure. Insurance companies care more about claims. If a particular model is involved in more accidents or is more expensive to repair after a collision, an owner can expect to pay higher rates even if his own record is clean.
In the end, your own driving record is likely to have a greater impact on what you pay for insurance. Anything that puts you into a high-risk driver category -- a lapse in insurance, bad credit, multiple claims or multiple speeding tickets -- will have a more dramatic effect than, say, choosing a Camry over a Corvette. High-risk auto insurance is more expensive than standard and preferred.
*Quotes for 100/300/50 liability coverage, collision and comprehensive with $500 deductible for a single homeowner driving 12,000 miles a year, delivered through Insurance.com’s car insurance comparison tool.