How does your driving record affect your insurance rate?

Author's Note

I have a pretty squeaky clean driving record, so I had no idea a minor violation or two could affect your insurance rate so much. I was also unaware that a major violation was likely to get you dropped by your insurance company altogether. Makes sense, though -- if you were an insurer, would you provide insurance to a convicted drunk driver? I was pretty surprised at how forthcoming the insurance agent I spoke to was, even if he did speak off the record. I guess you'll never know unless you ask.

Related Articles


  • Anonymous Insurance Agent, personal communication, March 23, 2012.
  • California Department of Motor Vehicles. "California Driver Handbook - Actions That Result in Loss of Driver License." (March 22, 2012.)
  • New York State Department of Motor Vehicles. "General Information about Driver Licenses." (March 22, 2012.)