Does my Car Insurance go up if I get a Parking Ticket?

Answer:
Parking tickets are considered non-moving violations

and aren’t generally a factor that insurance companies weigh heavily (if at all) when determining your rates. In fact, some states don’t even list parking tickets in your driving record if you pay the fines promptly which means your insurance company may not even know of their existence.

If the insurance company does see non-moving traffic violations, they aren’t usually too concerned with them; however with as many insurance companies doing business in the United States some do look at all violations including non-moving violations. If a single parking ticket is causing rate increases in your case and your driving record is otherwise clean, you might want to shop around for an insurance carrier who isn’t concerned with minor, non-moving violations.

In addition, each insurance company uses its own system when determining rates. A point system assigns different values for items found in your driving record or past claims you have filed. Insurers must file their rates and rules with the state’s insurance department or regulator. Contact this department for your particular state or ask your agent how rates are calculated.


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