Does a Summons Affect Insurance? Traffic tickets generally go hand in hand with higher car insurance rates. The more citations, the higher the rates. Convictions for traffic violations in another state, such as an out-of-state traffic ticket, generally don't add to your home state's driving record. People who don't comply with traffic laws are at greater risk of causing a collision or making it worse.
But do traffic violations affect insurance? Not all traffic violations will affect car insurance rates in the same way, and not all insurance companies will increase rates in the same way. Even if you've never been in an accident, you're likely to have one at some point if you don't routinely comply with traffic laws.