Everybody makes mistakes—and sometimes, those mistakes result in a parking ticket. Maybe you misread a sign detailing parking restrictions or forgot to put enough coins in the parking meter. Regardless of the reason for the parking ticket, it sure is a headache.
But what kind of impact will this surprise parking ticket have on your car insurance rates? You’ll be relieved to know that in most cases, your insurance company won’t bump up your rates too much as a result of a parking ticket. That said, there are exceptions, and having too many parking violations can start to affect your driving record, so it’s best to be careful.
Higher car insurance rates are unpleasant for any driver. That’s why Insurify helps you compare car insurance quotes side by side so that you can find cheap car insurance. Just enter your driving history and vehicle information, and you’ll be on your way to finding the right auto insurance policy at the right price.
Will my insurance premium increase?
Perhaps you accidentally parked in a residential area that requires a parking permit. Or maybe you failed to comply with nearby parking signs. Or your parking meter expired before you had the chance to insert more coins. In any case, you’ve earned yourself a parking ticket, and you aren’t too happy about it. But don’t worry—you probably won’t be dealing with higher car insurance premiums due to this ticket.
That’s because a parking ticket doesn’t reflect on your safety habits as a driver. It’s a non-moving violation, which means your car wasn’t in motion and wasn’t in danger of getting damaged or causing injury. Meanwhile, running a red light, ignoring a stop sign, getting a DUI/DWI, driving without a driver’s license, or getting a speeding ticket are all traffic violations that cause insurance providers to wonder if you’re a safe driver. As a result, that traffic ticket affects your insurance rates.
If you double-park or park in a restricted area, your car may get towed. If that’s the case, you could have to deal with towing fees, which your car insurance will not reimburse you for, even if you have roadside assistance coverage. If your car happens to get damaged while towed, your car insurance may cover repairs related to this damage.
Keep in mind that there are consequences if you fail to pay your parking tickets. If you have unpaid parking tickets, it’ll probably hurt your credit score. Having a low credit score tells your insurance company that you can’t be counted on to pay bills on time, a factor that can affect insurance rates.
If you’re unhappy with your current insurance premium, make sure you check out Insurify. On Insurify, you can compare your current car insurance rates with up to 20 other insurance companies—all for free.
Score savings on car insurance with Insurify
Do parking tickets go on my driving record?
Fortunately, parking tickets won’t go on your driving record. But if you don’t pay your parking ticket, that bill will go on your financial record and get you in trouble with the DMV. Your vehicle registration could also be suspended, and you may be barred from renewing your driver’s license until the unpaid ticket is taken care of. That means anytime you drive, you’ll be driving with a suspended license.
Unpaid tickets can also have the more immediate impact of causing your car to get that dreaded boot on its tire, making it undrivable. Worse, it could get taken by a towing truck. If you don’t want to deal with these consequences, the best solution is to pay your parking ticket immediately before a collection agency gets involved.
If you fail to pay on time, you might also have to deal with the DMV’s late fees. Usually, these penalty fees increase the longer you fail to pay. For instance, in New York, $10 will be added to your fine if you fail to pay after 30 days. After 60 days, that penalty fee increases to $20. After 100 days of not paying your fee, it could go into judgment and result in really high fees. Do your wallet (and credit score) a favor and make sure you pay on time.
There’s always the possibility that your parking ticket resulted from a police officer’s misunderstanding. Or perhaps the meter that expired might have been broken. If that’s the case, you’ll probably want to appeal your parking ticket.
To appeal your parking ticket, be sure to file a dispute within 30 days of the infraction. Most states make it very easy to file a dispute. For instance, New York enables drivers to submit their appeal online, via the DMV’s mobile app, by mail, or in person. Your eventual hearing might take place in person or online. If your hearing is in person, you’ll get a decision on the spot. If your hearing is done remotely, you’ll likely have to wait longer to learn the outcome of your appeal. During this process, you may be asked to provide more evidence.
Frequently Asked Questions
Do parking tickets increase car insurance premiums?
No. Parking tickets are non-moving violations that don’t reflect your safety as a driver, so they don’t directly affect your insurance premiums. Unpaid parking tickets, however, could hurt your credit score, which would increase your car insurance premiums.
Do parking tickets go on your record?
Parking tickets don’t go on your driving record. However, unpaid parking tickets will get you in trouble with the DMV. In some cases, your vehicle registration could be suspended, and you may be barred from renewing your driver’s license.
How to Find Cheap Car Insurance
If you’re a car insurance customer, higher rates are something you always want to avoid. That’s why it’s essential to do your research to find an insurance provider that doesn’t raise rates too often or starts out at a very low price.
Luckily, there’s an easy solution: Insurify. Insurify is the quote comparison tool you need to ensure you’re getting great coverage at a great price. With Insurify, you can put 10+ free car insurance quotes side by side, so that it’s easy to compare rates and coverage options—and get the ideal car insurance policy for you.