How Do Seatbelt Tickets Impact Your Car Insurance?

person in a car with a seat belt

The impact of receiving a seatbelt ticket on your auto insurance premium. 

Getting a ticket is no fun. What’s more, it can be quite expensive in more ways than one. Firstly, you’re going to have to pay that ticket off. Soon afterward, the consequences of your driving violation may raise your auto insurance premiums. However, it’s important to keep in mind that different types of tickets can affect your insurance rates in different ways – and that includes seatbelt tickets.

If you’re caught driving without wearing your seatbelt by a police officer, you may receive a ticket. They are conditional violations, meaning you wouldn’t get pulled over for not wearing your seatbelt, but if they pull you over for another reason, they can notice you didn’t have your seatbelt on.

Because a seatbelt ticket is considered a minor infraction, such a ticket won’t have a significant impact on your car insurance rates. Generally, receiving a seatbelt ticket will cause no more than a three percent increase in insurance rates. In comparison, a reckless driving or DUI violation can increase insurance rates by 20 percent or more.

Talk to your auto insurer for more information about seatbelt tickets and what you can do to keep your premiums low. For all of your insurance needs, visit Ron Young Insurance. We are ready to help you find reliable insurance today.


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