Minor violation

A minor violation is a moving violation that insurers consider less dangerous than offenses like DUI or reckless driving. Typical examples are speeding by a moderate amount, running a red light or stop sign, failure to yield, an improper turn or lane change, and following too closely. Each insurer's rating plan defines its own list.

Insurers see minor violations on your motor vehicle report and usually add a surcharge for three to five years, depending on the company and state. One minor ticket may cost a modest amount and can also cost you a good driver discount; several within a few years can add up to a large increase or move you into a higher-risk tier. Example: a $1,200 annual premium with a 20% surcharge rises to $1,440 until the ticket drops off (hypothetical figures). Some insurers forgive a first minor violation.

Speed matters: a ticket for 10 mph over the limit is usually minor, while one for 30 mph or more over may be rated as a major violation. Some states let you take a defensive driving course to dismiss a ticket or reduce points. See how a speeding ticket affects your car insurance.