Do tickets have less impact on your insurance as time goes on? I recently bought a 2016 Audi S5 and my Geico policy costs me $830 a month. I currently have two speeding tickets and two unsafe lane change violations on my record from 2021. I’m 22 now, but I was recently convicted in March 2024, and it’s really affecting my rates.
My next renewal is in June 2025, which will be a year after the conviction. I’m curious if anyone with experience in the insurance industry can share insights on whether my rates might decrease as I get further away from the tickets and closer to them falling off my record. By that time, I’ll be 22 years old, 1 year and 4 months post-conviction, and I’ll have been insured for 2.5 years without any incidents since then.
Yes, generally speaking, the impact of tickets on your insurance premiums tends to decrease over time, especially as you maintain a clean driving record. Insurance companies often look at the recency of violations when assessing risk; the longer you are removed from the conviction, the less weight it typically carries in their calculations.
In your case, by June 2025, you will have been a year removed from your convictions, and if you can demonstrate responsible driving since then, your risk profile may improve. Additionally, being 22 and having a few years of insurance history with no further incidents can also work in your favor.
It’s worth noting that insurance companies have different policies regarding how they evaluate and weigh past violations. Some may offer discounts for safe driving over time, while others may have specific thresholds for when violations no longer impact rates significantly.
To get a more precise estimate of what to expect, it might be helpful to reach out to your insurance provider to discuss your situation directly. They may be able to give you a clearer picture of how your premiums could change as those tickets age.