Just because fewer people were on the roads in 2020 due to the pandemic, the streets weren’t necessarily safer. In 2020, people drove 13% fewer miles than in 2019, but according to the National Safety Council (NSC), 42,060 people are estimated to have died in motor vehicle crashes last year. That’s an 8% increase in deaths over 2019. When comparing that rate of deaths to miles driven, the NSC found that 2020 had the highest rate of roadway deaths in 96 years.
Deadly accidents, racing, not buckling a seatbelt, and plenty more offenses can cause insurance rates to rise. Insurance companies take all driving violations into account when calculating the cost of policies every year. If someone happens to be ticketed for a driving violation, they could see their car insurance costs rise from anywhere between .6% to a whopping 73.3% ($9-$1,083) on average. Plus, driving violations typically stay on a person’s driving record for at least three years, which means they’ll be paying the rate hike for a while.
The amount drivers pay for breaking traffic laws depends on the violation and which state they live in. A new rate study by The Zebra reveals the impact driving violations have on car insurance and what steps drivers can take to reduce that impact.