Ticket: Driving under the influence
Estimated premium increase: 25 percent
Call it DWI or DUI, a drunken driving violation will hike your insurance costs more than any other, likely as much as 25 percent, says Hunter, a former Texas insurance commissioner.
Your insurance company might give you a "pass" on some traffic tickets, especially if it's your first time, but not on drunken driving, he says.
Have a few too many -- in more ways than one -- and you'll likely lose your insurance, says Luedke. "It becomes a situation where we can't charge enough in premiums to match the risk."
How serious is the risk? In a report published last April, the National Highway Traffic Safety Administration, or NHTSA, said drunken driving caused a fatality an average of every 51 minutes during 2010. And drivers with a blood alcohol content of 0.08 (the legal limit) or higher who were involved in traffic deaths were four times more likely to have had prior DUIs than sober drivers.