Ticket: Driving under the influence
Average premium increase: 93%
Call it DUI or DWI, a drunken driving violation will hike your insurance costs more than any other, nearly doubling your premium, InsuranceQuotes.com found.
Your insurance company might give you a "pass" on some traffic tickets, especially if it's your first time, but not on drunken driving, warns J. Robert Hunter, insurance director for the Washington, D.C-based Consumer Federation of America.
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? The most recent numbers from the National Highway Traffic Safety Administration, or NHTSA, show that drunken driving killed someone an average of every 51 minutes during 2012.
Drivers who have a blood-alcohol level of at least 0.08 (the legal limit) and are involved in traffic deaths are four times more likely to have had prior DUIs than sober drivers, NHTSA says.