Will a Ticket Make Your Car Insurance Go Up? (Michigan Auto Insurance 101)

Will a Ticket Make Your Car Insurance Go Up? (Michigan Auto Insurance 101)

If you’ve recently received a speeding ticket or any other traffic violation in Michigan, you might be wondering: How will this impact my auto insurance? The short answer—it can raise your rates, sometimes significantly.

Let’s break it down.

Insurance Companies Will Find Out

Even if it feels like no one else saw you get the ticket, your insurance company likely will. In Michigan, insurance companies typically review your motor vehicle report (MVR) at each policy renewal. In some cases, they may be notified of violations sooner, especially for serious infractions.

Not All Tickets Are Treated Equally

The type of ticket you receive plays a big role in how much your rate might increase.

• Minor violations (like going 5–10 mph over the limit) may result in a 10%–25% increase.
• Major violations (such as reckless driving or a DUI) could spike your premium by 30%–50% or more.

Your driving history and the insurance company’s internal rating system also affect how the violation is scored and priced into your policy.

Why Your Rates Go Up

From the insurer’s perspective, a ticket signals that you’re a higher risk driver. And more risk means a greater chance that you’ll be involved in a claim. Insurance companies adjust rates accordingly to cover that potential cost.

Can You Lower the Impact?

Yes—and here’s how:

• Accident forgiveness or violation forgiveness programs: Some carriers offer these perks, especially if you’ve had a clean record prior to the ticket.
• Discount reviews: Make sure you’re receiving all available discounts (multi-car, safe driver, good student, etc.).
• Shop around: Every carrier evaluates risk differently. A Michigan independent insurance agent can help you compare quotes across multiple companies and potentially find better pricing—even with a ticket on your record.

The Best Strategy? Drive Safe

Ultimately, the best way to keep your Michigan auto insurance rates low is by avoiding tickets altogether. Safe driving not only helps you save money, but it also protects you and everyone else on the road.

Need Help Reviewing Your Auto Insurance After a Ticket?
We’re here to help. Whether you want to compare rates, explore discounts, or just understand your options, contact us today to make sure your coverage still fits your needs—and your budget.