{"id":162805,"date":"2023-10-11T11:37:57","date_gmt":"2023-10-11T11:37:57","guid":{"rendered":"https:\/\/businessyield.com\/?p=162805"},"modified":"2023-12-11T07:33:37","modified_gmt":"2023-12-11T07:33:37","slug":"does-a-parking-ticket-affect-your-insurance","status":"publish","type":"post","link":"https:\/\/businessyield.com\/insurance\/does-a-parking-ticket-affect-your-insurance\/","title":{"rendered":"Does a Parking Ticket Affect Your Insurance: All You Need","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

In general, parking tickets do not affect your insurance rates. Parking tickets are considered non-moving violations, meaning they are unrelated to your driving ability. When setting rates, auto insurance companies<\/a> typically only consider moving violations, such as speeding tickets and DUIs.<\/p>

However, there are a few exceptions to this rule. In some states, unpaid parking tickets can lead to a suspended driver’s license. If your driver’s license is suspended, your insurance company may cancel your policy or raise your rates.<\/p>

But there is more, which will be covered in the course of this article, along with other vital information you should be aware of to avoid incurring additional charges with your insurance company. <\/p>

How is a Parking Ticket Different from a Moving Violation?<\/span><\/h2>

A parking ticket is a citation issued to a vehicle owner for violating parking regulations. Parking tickets can be issued for various reasons, such as parking in a prohibited area, exceeding the time limit for a metered parking space, or not displaying a valid parking permit.<\/p>

A moving violation is a traffic citation that is issued to a driver for violating a traffic law while the vehicle is in motion. Moving violations can include speeding, running a red light, or driving under the influence of alcohol or drugs.<\/p>

The main difference between a parking ticket and a moving violation is that a parking ticket is not considered a driving offense. This means parking tickets do not typically appear on your driving record and will not affect your insurance rates.<\/p>

When Parking Tickets Affect Insurance Rates<\/span><\/h3>

Parking fines are non-moving offenses. Therefore, they usually have no effect on your auto insurance rates\u2014at least not immediately. For example, if you fail to feed the meter or park in the wrong place, you may receive a parking charge. Fortunately, these tickets are not usually tied to your driver’s license, reported to your state’s DMV, or disclosed to your motor insurance company. If you do not pay for these types of tickets within the prescribed time range, your insurance prices may rise.<\/p>

Do Parking Fines Affect the Cost of Insurance?<\/span><\/h2>

A parking ticket is unlikely to increase your vehicle insurance price, but unpaid parking citations sent to collections may have an impact on your credit-based insurance score. Some car insurance companies will look at your credit score to determine whether or not to insure you and the cost of your car insurance. This means that unpaid parking citations may have an impact on your premium.<\/p>

However, rules prohibit vehicle insurance firms from utilizing credit scores when determining rates in some states, including California, Hawaii, Maryland, Massachusetts, and Michigan. In that sense, unpaid parking fines will unlikely affect your auto insurance rates.<\/p>

How to Avoid Having Parking Tickets Raise Your Insurance Rates<\/span><\/h2>

If you receive a parking ticket, it is usually in your best advantage to handle the situation as soon as possible. If you do not pay your ticket on time, you may incur late fines, or the city may confiscate your vehicle.<\/p>

Instead of ignoring a ticket, consider the following alternatives:<\/p>