Lilah Butler, Car Insurance Writer
@lilah_c
Yes, careless driving tickets affect insurance in most states, since they are usually considered moving violations and added to a driver's motor vehicle record. Depending on your state, insurance company, and the exact ticket you received, a careless driving ticket will usually affect your premium for 3-5 years.
Since every insurer treats violations differently, it's a good idea to compare quotes from at least three insurance companies after getting a careless driving ticket to be sure you're still getting the best deal. Then, once the violation stops affecting your premium, you should shop around again to see if you can find a cheaper rate elsewhere.
For more information, check out WalletHub's guide to the factors that affect car insurance rates.
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Car insurance is calculated based on factors that indicate how likely a driver is to file a claim, including age, driving history, car type and mileage. Insurance companies do not release the specific algorithms they use to calculate prices, meaning that each insurer will offer a slightly different rate to the same driver.
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