What That Speeding Ticket May Really Cost You How will that speeding ticket you just received affect your insurance premium? Insurance.com has calculated average increases for 14 different driving violations, and devised a new "Uh-Oh!" calculator to give you a more customized estimate. Not surprisingly, reckless driving is the costliest violation, with an average rate increase of 22 percent. By comparison, a seat-belt infraction results in a 3 percent increase. Insurance.com analyzed more than 490,000 insurance quotes given to drivers from 14 carriers from January 2009 to January 2011. The analysis compared quotes given to drivers with the 14 most common violations, and compared them with quotes given to drivers with no violations. Here's the full list, showing how various tickets will affect your rates, on average: Reckless driving: 22 percent 2. Driving while under the influence: first offense: 19 percent 3. Driving without a license or permit: 18 percent 4. Careless driving: 16 percent 5. Speeding 30 m.p.h. over the limit: 15 percent 6. Failure to stop: 15 percent 7. Improper turn: 14 percent 8. Improper passing: 14 percent 9. Following too close/tailgating: 13 percent 10. Speeding 15 to 29 m.p.h. over limit: 12 percent 11. Speeding 1 to 14 m.p.h. over limit: 11 percent 12. Failure to yield: 9 percent 13. No car insurance: 6 percent 14. Seat-belt infractions: 3 percent For more specific results, you can use the calculator to enter your own details, like your age, state, marital status (divorced drivers on average pay bigger premium increases than married drivers, according to Insurance.com), and length of time you've been with your car insurance company. Have you received a ticket recently? How did it affect your insurance premium?