Does a parking ticket affect your insurance?

You may be wondering, “does a parking ticket affect your insurance?” You don't have to worry about a parking ticket increasing your auto insurance rates, as long as you pay your fines on time. Your car insurance will not know about them since they are considered non-moving violations.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 6, 2022

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What You Should Know

  • On their own, parking tickets are unlikely to impact your auto insurance rates
  • If you neglect to pay the fines associated with your parking tickets, your auto insurance rates may increase
  • You can shop around for more affordable car insurance coverage if you believe that you are paying too much for your auto insurance policy

If you have recently received a parking ticket, you may be wondering, Does a parking ticket affect your insurance? The truth is, there is always the potential for a parking ticket to impact your insurance rates, but if you only receive one ticket, your insurance company is a lot less likely to increase your monthly premiums.

When it comes to parking tickets and car insurance, your biggest obstacle is paying on time any fines associated with your tickets. This will ensure that your car insurance is not impacted, and you will not have to wonder how your driving record impacts your auto insurance rates.

After receiving numerous parking or traffic infractions — or after missing deadlines for paying the associated fees — you may need to shop around for new car insurance. When you do, be sure to find and compare rates from several different companies to get the best deal.

You can use our free quote tool above to determine what car insurance companies in your area are charging for rates after parking tickets.

Do parking tickets affect insurance?

On their own, parking tickets are unlikely to impact your car insurance rates. A parking ticket is considered a non-moving violation. Because of this, parking tickets are not listed on your driving record as they have nothing to do with your safety or knowledge behind the wheel.

Since parking tickets do now show up on your driving record, your auto insurance company has no way of knowing that the tickets even exist. As long as you pay any necessary fees before the due date, you won’t need to worry about your car insurance rates.

But your car insurance rates can increase if you fail to pay your parking tickets on time. If you don’t pay your fees on time, you could be faced with an increased fine, having your car towed, or even getting a suspended license. If your license gets suspended or your car is towed by the municipality, this could end up on your driving record.

Even if these events do not appear on your driving record they have the ability to impact your credit score, which is a huge component of your overall car insurance rates. If your credit score decreases due to unpaid tickets, your car insurance company is likely to discover it.

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How much is auto insurance after parking tickets?

Because your car insurance is unlikely to change following a parking ticket unless the fines go unpaid, your car insurance rates after a parking ticket should be around your state’s average. If you carry liability-only coverage or if you’re considered a preferred policyholder, you may find that you are offered rates that are lower than your state’s average.

The table below displays the average car insurance rates in each U.S. state.

Average Annual Auto Insurance Rates by State
StateAverage Annual Auto Insurance Rates
North Carolina$3,393.11
New Hampshire$3,151.77
New Mexico$3,463.64
North Dakota$4,165.84
South Dakota$3,982.27
New York$4,289.88
New Jersey$5,515.21
South Carolina$3,781.14
District of Columbia$4,439.24
Rhode Island$5,003.36
West Virginia$2,595.36
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Depending on where you live, how long you’ve been driving, your current driving history, and your credit score, you may be able to receive surprisingly low rates on coverage. But if you’ve had multiple accidents or infractions along with your parking tickets, you may need to shop around for auto insurance for high-risk drivers.

If your car insurance rates are higher than your state’s average, but you’re not sure why, you should shop around for coverage from other insurance companies. This will help you determine if you are overpaying for your auto insurance coverage.

What should I do after getting a parking ticket?

After receiving a parking ticket, all you need to do is follow the instructions. You will probably have to pay a fine, and in most cases, that’s all you’ll need to do. If you have any questions, you can call the number listed on your ticket to speak with a representative.

You do not need to notify your insurance company of any parking tickets or infractions. As long as you pay your fines on time, you won’t have to worry about the tickets impacting your car insurance rates.

But even though your rates won’t be influenced by your parking tickets, it’s always a good idea to shop around with other companies to see if you can pay less for your car insurance coverage. You can do your own online research to find and compare car insurance rates from many different companies to determine what’s out there.

In fact, you can use our free quote tool below to find and compare car insurance rates in your area today.

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