Do Seatbelt Tickets Affect Your Car Insurance Rates?

Seatbelt tickets could affect your insurance. Learn how and how to avoid them. The most important piece of safety equipment is the seatbelt. If you don’t wear it, you’re not only putting yourself in jeopardy, but you’re also putting other drivers and passengers at risk. It’s good to know that wearing your seatbelt can reduce the risk of injury in a car crash by nearly 60 percent, according to the National Highway Traffic Safety Administration. But how does a seatbelt ticket affect your insurance?

Do Seatbelt Tickets Affect Car Insurance Rates ?

If a police officer sees you with a seatbelt unbuckled, he will write a ticket and send you on your way, assuming you can show you followed the law. However, many state agencies don’t work that way. The rules and regulations are spelled out for all officers. Depending on the state, you may get a ticket and still be in violation of your insurance company’s policy.

The Importance of Wearing Your Seatbelt

Do Seatbelt Tickets Affect Car Insurance Rates - Seatbelt Photo

All too often, we hear of car crashes resulting in fatalities or serious injuries. However, that’s what seatbelt tickets are for – keeping everyone safe from these tragedies. All too often, the only survivor is the one who wore a seatbelt. How Seatbelt Tickets Impact Your Insurance What you wear in the car affects your insurance. Many things affect your car insurance rate, including age, gender, and number of prior accidents.

It’s also a good idea to ask your insurance agent how many times you’ve been ticketed for improper seatbelt use. Seatbelt tickets have a domino effect. Tickets issued for improper seatbelt use will cause a ripple effect on your insurance. If you already have a poor insurance rate, an increase in fine could drop it even lower.

What Happens if You Don’t Wear Your Seatbelt?

If you’re not wearing your seatbelt, it can affect the policy that your car insurance company has. If the car that you are driving, or someone else is driving, isn’t properly buckled up and gets into a crash, the driver may be held responsible, even if it’s the other person who is at fault. The fine that’s normally given for not buckling up may range anywhere from $25 to $200. But that’s not all that can happen if you don’t wear your seatbelt.

Your insurance company can decide to cancel your policy because they’ve determined that you aren’t an adequate risk. This can be a big problem, especially if you’re about to pay off your car loan or lease. You can be charged a cancellation fee of anywhere from $150 to $300. But what if you’re only 10 minutes late getting to the office?

Why Do Seatbelt Tickets Affect Your Insurance?

While it’s good to have car insurance, if you’re busted with a seatbelt ticket, it could drastically increase your car insurance premiums. First, we’ll take a look at the types of tickets that can negatively affect your car insurance premiums. Red Light Camera Tickets Being pulled over for a red light ticket can have an effect on your car insurance premiums.

This is especially true if you’re a young driver, as an average ticket costs around $145 and a serious injury can cost you an average of $23,600 in medical bills, according to the Insurance Information Institute. Impaired driving tickets average $390. But having a stolen car can increase the cost to you.

What Can You Do If You Get a Seatbelt Ticket?

So, you’ve learned about how seatbelts are your ticket to staying safe in a car accident. Even if you already know and practice how to properly use your seatbelt, you can’t be too careful, especially since some states have significantly higher seatbelt fines than others. Not wearing your seatbelt could land you with a ticket that comes with hefty fines and points on your license, potentially increasing your car insurance premiums and cost of ownership.

Here are some tips for staying safe in the car and reducing your risk of a seatbelt ticket: When you’re headed to a destination or destination point, ask the others in the car if they’re wearing their seatbelt. Buy seatbelts that can be used in several different ways.


It’s important to remember that with a seatbelt ticket, not only did you get a traffic ticket, you also got points on your driving record. If you accumulate too many points, you could find yourself in more trouble with your insurance company.