Do Parking Tickets Affect Your Car Insurance Rates?

Amy Beardsley
Written byAmy Beardsley
Photo of an Insurify author
Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Featured in

media logomedia logo
Jackie Cohen
Edited byJackie Cohen
Photo of an Insurify author
Jackie CohenEditorial Manager

Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.

Jackie's work has been cited in USA Today, The Balance, and The Washington Times.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated June 15, 2022 at 12:00 PM PDT

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

It’s stressful enough to find the perfect parking spot, but a parking ticket can put a damper on your day. If you’ve recently received a parking ticket, you may worry about how it will affect your car insurance rates. Do parking tickets affect car insurance? Maybe — but there are some things you can do to make sure that your rates won’t skyrocket due to a ticket.

Read on to find out more about the connection between parking tickets and car insurance, as well as how to avoid them in the first place. And if you’re looking for other ways to save on car insurance, compare quotes online to see rates from top auto insurance companies side by side.

Quick Facts
  • Parking tickets don’t typically raise your insurance rates.

  • Drivers must be aware of other negative consequences of parking tickets.

  • To prevent parking tickets, read nearby signs and be careful where you park.

Parking Tickets and Car Insurance

Do parking tickets affect car insurance rates?

Generally, parking tickets won’t increase your car insurance rates.

Do parking tickets affect insurance? Not usually. Parking tickets don’t typically change how much you pay for car insurance. However, they can involve other costs. The municipal code of the city, village, or county that issued your ticket will determine the fees you pay.

Parking Tickets and Your Driving Record

Two general types of traffic violations exist: moving and non-moving violations. A parking ticket is a non-moving violation. If you double-park or forget to feed the meter, your insurance company may never know. The violation isn’t attached to your driver’s license or added to your driving record. That means they don’t give you points on your record, and it won’t affect your auto insurance rates.

Unpaid Parking Tickets

Unpaid parking tickets are another story. If you don’t pay the fine, your parking ticket could be sent to a collections agency — and that can impact your credit-based insurance score. Some companies use your score to determine your car insurance rates.

Most states allow it. But a handful of states don’t let insurers use your credit score as a factor, including California, Hawaii, Massachusetts, and Michigan.

Best Car Insurance Companies

Best Car Insurance Companies

How to Stop Parking Tickets from Raising Your Insurance Rates

If you live in a metropolitan area, chances are good that you’ve received at least one parking violation. Even though parking tickets don’t directly cause higher rates for insurance coverage, there are a few steps you can take to guarantee they won’t.

For example, if you believe you got a ticket by mistake due to a broken meter or damaged “no parking” sign, send a letter to the issuing municipality to explain the circumstances. Talk to the city or county about payment plans if you’re short on cash. You could also ask family or friends to lend you the money to cover the fees.

But don’t ignore the ticket. At first glance, you might think these citations aren’t a big deal — but delaying payment can add late fees or other consequences, such as the city impounding your vehicle.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Parking Tickets and Car Insurance

Car insurance is an important part of owning a vehicle. It’s essential to know what it covers and what it doesn’t. Most basic car insurance includes bodily injury liability and property damage liability, and full coverage adds collision and comprehensive coverage.

Your protection depends on where you live and the types of coverage you buy. And you may wonder whether you can get your insurance to pay for your ticket. But the answer is no, your auto insurance provider doesn’t cover parking tickets. You must cover the cost out of your own pocket.

Other Effects of Parking Tickets

You might be relieved to discover parking infractions won’t increase your car insurance premiums. But late or unpaid parking tickets can have other consequences:

  • A boot on your tire to disable the vehicle

  • Late fees that can double the original fine

  • Getting your car towed or impounded

While it may not skyrocket your rates, each of these situations can be a costly inconvenience. It’s best to deal with the ticket and pay the fee before it becomes a bigger problem.

Cheap Car Insurance

Cheap Car Insurance

How to Prevent Parking Tickets

Your best defense against unwanted parking tickets is to be cautious about where you park. Look around for signs and parking meters. Before parking your car:

  • Make sure the site allows parking

  • Check signs for time limits on parking

  • Find out if the area only allows parking during certain times or days of the week

Metered areas require plenty of change. You might also set an alarm on your smartphone to remind you to feed the meter.

Best and Worst Sites to Compare Car Insurance

Best and Worst Sites to Compare Car Insurance

Safe Drivers Can Lower Car Insurance Costs

No one likes their car insurance rates to go up. Luckily, parking tickets don’t cause them to. It’s considered a non-moving violation and doesn’t reflect on your safety habits as a driver.

Keep in mind that parking tickets can have other consequences. If you fail to pay the fees, your credit score may suffer — and many insurance companies can use credit scores as a factor to determine your premiums.

Frequently Asked Questions

  • Do parking tickets affect your credit?

    If you’ve received a parking ticket, you understand the cost and inconvenience involved. However, parking tickets don’t affect your credit — unless you don’t pay on time. The municipality that issued your ticket may send late or unpaid parking tickets to collections, which can lower your credit score.

  • What kinds of tickets affect your insurance?

    Parking tickets are non-moving violations and generally don’t affect your insurance. On the other hand, tickets for moving violations, such as running a red light, speeding, DUI/DWIs, or accidents, are tied to how safely you drive. They can label you as a high-risk driver and impact your car insurance rates or even result in a suspended license.

  • How do you find out if you have unpaid parking tickets?

    Check with your department of motor vehicles (DMV). Many places have online systems that let you search for unpaid parking tickets by entering your license plate number. If you have one, pay it as soon as possible. If you’re short on funds, see if you can set up a payment plan to avoid additional fines or penalties.

  • Do parking tickets give you points?

    No, parking tickets won’t add points to your record. Other violations, such as traffic tickets, accidents, careless driving, disobeying a traffic signal, speeding, and DUIs, can add points to your record, resulting in higher auto insurance rates.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Jackie Cohen
Edited byJackie CohenEditorial Manager
Photo of an Insurify author
Jackie CohenEditorial Manager

Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.

Jackie's work has been cited in USA Today, The Balance, and The Washington Times.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.