WalletHub, Financial Company
No, non-moving violations do not affect insurance. In most cases, non-moving violations like a parking ticket or a ticket for a broken headlight do not appear on driving records, and even if they do, insurance companies usually do not take them into account when calculating premiums. On the other hand, non-moving violations might affect rates if they lead to a suspended license or other serious consequences.
Insurance companies check customers’ driving records to determine how much risk they present. Offenses like a speeding ticket or reckless driving conviction indicate that a driver is more likely than average to get into an accident. However, non-moving violations are generally unrelated to driving ability, which is why insurance companies usually do not take them into account.
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