Ticket: Reckless driving
Estimated premium increase: 15 percent to 20 percent
Reckless driving is right up there with drunken driving as one of the biggest offenses that will guarantee a hike in your insurance costs, says Worters.
A precise definition of reckless driving varies from state to state. However, it generally means that you intentionally ignore the safety of other people or property. Violations can bring stiff penalties, including jail time.
While speeding certainly may be a factor, you can be reckless without pushing pedal to the metal, according to NHTSA. At least one state, Virginia, is considering categorizing texting while driving as a form of reckless driving.
Figure on paying 15 percent to 20 percent more for car insurance with a reckless-driving violation on your record, says Hunter.