Reckless Driving and Auto Insurance Rates

Most drivers know that receiving a traffic ticket for reckless driving in NY (VTL 1212) is extremely serious.

After all, it can put you behind bars, put 5 points on your license, and carries a very steep fine.

Not only that but it also is a misdemeanor that will remain permanently on your criminal record making it harder to get a good job.

However, most individuals are unaware of the long term impact that a reckless driving conviction has on their auto insurance rates.

Unfortunately, some motorists are under the misconception that extremely high speed tickets, DUI/DWI, and other very serious offenses are the only violations that significantly impact auto insurance.

In reality, that is only a small piece of the story.

According to a recent study from, there are many other kinds of traffic violations that can drastically increase your insurance.

Out of all of them, reckless driving is known to cause the second highest premium increase nationwide. (It is second only to DUI/DWI.)

On average, nationwide, a reckless driving conviction will increase your insurance premium by 82%.

However, the particular increase you will incur varies depending on what state you hold your driver’s license and auto insurance policy in.

The following is a breakdown of a few states and the insurance consequences associated with getting a reckless driving ticket in NY based on the calculator quoting a modest policy of $1,000.

  • New York Residents: 42% premium increase
  • Pennsylvania Residents: 50% premium increase
  • Delaware Residents: 74% premium increase
  • New Jersey Residents: 88% premium increase
  • Florida License Residents: 93% premium increase
  • California License Residents: 181% premium increase

As you can imagine, the auto insurance consequences of being an out-of-state driver who receives a reckless driving ticket in NY are astronomical.

Consequently, never plead guilty to a reckless driving ticket.

If you recently received a reckless driving ticket in NY, contact The Rosenblum Law Firm today at 888-883-5529.

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