No one aspires to be a high-risk driver. It's a part of life that just happens. Whether a speeding ticket, fender bender, or quick-changing red light put you on the list, will you have to pay high prices forever?

Fortunately, most insurance companies only look back three years at driving histories. To save while you wait, compare coverages and quotes, avoid tickets and accidents, and shop around every six months. Looking at these rates for various high-risk driving offenses:

Speeding infractions are some of the most common citations that drivers receive. Rhode Island police officers and law enforcement officials nationwide catch drivers speeding all the time, as you may know from personal experience! A speeding ticket will kick your rate up by over $100 per month, or $1,200 per year. Here's how that change breaks down:

From a fender bender to a severe wreck, anytime the insurance company pays a claim after an accident, expect rates to go to the moon. A crash bumps the premium up by over $80 per month, or $960 per year. Check out these numbers that make defensive driving even more valuable:

It's easy to roll through a stop sign or catch the traffic light turning from orange to red as you pass through an intersection. When you get a ticket, your rate goes up by $130 per month, or $1,500 per year. Look at that number long enough, and you'll have all the reason you need to be a tad more careful in the Ocean State.