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March 27, 2024

How Your Driving Record Affects Auto Insurance Premiums

Insurance companies meticulously assess your risk of filing a claim when determining auto insurance rates, and your driving history offers information about how much of a potential statistical risk you pose. Insurers use various information about you, your vehicle and the coverages you choose when setting premiums, and your driving record has a sizable impact on your final rates.

Impact of Traffic Violations silver and black car engine

Traffic violations can significantly affect your auto insurance rates. Minor offenses may lead to slight increases in premiums, whereas major infractions, such as DUIs or reckless driving, can cause rates to soar. It’s crucial to understand that insurers may reassess your risk level based on the following:

  • Severity of offenses—More serious violations typically lead to higher premiums.
  • Frequency of violations—Accumulating multiple infractions could categorize you as a high-risk driver.

The Role of Points on Your License

Many states use a point system to track driver infractions. In Missouri, driving offenses such as careless driving, speeding or running a stop sign result in points being assigned to your driving record. If you accumulate a certain number of points in a short amount of time, your license may be suspended or revoked. In some cases, you may be required to file an SR-22 form with the Department of Motor Vehicles to prove you carry at least the minimum auto liability insurance required by state laws.

Accumulating points on your license brings you closer to potential suspension and signals to insurers that you’re a higher risk. Your car insurance premiums may rise as a result.

Accidents and Claims

Your history of accidents and claims is another factor insurers consider. At-fault accidents generally result in higher premiums than not-at-fault ones, but any accident can indicate to insurers that you’re more likely to file a claim in the future, potentially leading to increased rates.

The impact of accidents on your insurance premiums may diminish over time, provided you maintain a clean driving record.

Benefits of a Clean Driving Record

Maintaining a clean driving record can be highly beneficial. Many insurance companies offer discounts to drivers without recent tickets or accidents, recognizing them as lower risk. This can lead to significant savings on your insurance premiums over time.

Contact Us

Contact Cloverleaf Insurance in St. Peters, MO, today for a personalized auto insurance quote. Our agents can help assess your situation and shop for appropriate auto insurance coverage at favorable rates.


This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Categories: Auto Insurance

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