Parking tickets are a common occurrence for many drivers, but do these minor infractions have the potential to raise your car insurance rates? This article will explore the relationship between parking violations and insurance premiums, addressing many motorists’ concerns. Additionally, we’ll explore other factors that could influence your rates and provide guidance on maintaining affordable coverage.

Do Parking Tickets Directly Impact Insurance Rates?

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The short answer is no; parking tickets generally don’t directly affect car insurance rates. Insurance companies are mainly concerned with driving behaviors and incidents that suggest a higher risk of being involved in an accident or filing a claim. While parking violations are inconvenient and costly, insurance companies view them as separate from your driving record and overall risk assessment.

Insurance providers consider multiple factors when determining premiums, but parking tickets generally hold little weight because they’re non-moving violations, meaning they don’t involve the operation of a vehicle on the road. As such, they’re less likely to be factored into your risk profile or used as a basis for rate adjustments.

Indirect Consequences of Unpaid Parking Tickets

Parking tickets may not directly affect your insurance rates, but if left unpaid, they can indirectly impact them. Unpaid tickets can lead to canceled vehicle registration or a damaged credit score, raising concerns for insurance companies and ultimately affecting your rates. 

If you fail to pay a parking ticket on time, it may go to a collections agency, which could hurt your credit score. Many auto insurers use credit-based insurance scores to determine rates, so a lower credit score stemming from unpaid parking tickets in collections could result in higher insurance premiums.

Another potential consequence of unpaid parking tickets is the suspension of your vehicle registration. Accumulating unpaid fines can prompt your local DMV to suspend your registration until you resolve the tickets. Driving with a suspended registration can lead to fines or license suspension, and your insurer may view you as a higher-risk driver, potentially raising your insurance rates.

The impact of unpaid parking tickets on insurance rates varies by state laws and insurer policies. For example, states such as California, Hawaii, and Massachusetts have laws prohibiting insurers from using credit scores to set auto insurance rates. Therefore, unpaid parking tickets sent to collections won’t affect your car insurance costs.

Other Factors That Can Raise Insurance Rates

While parking tickets may not be a major concern for insurance companies, several other factors can significantly influence car insurance rates. Understanding these factors can help you make informed decisions and save money on your premiums.

Driving Record

Your driving record is one of the most crucial factors insurance companies consider. Accidents, moving violations (such as speeding tickets or running red lights), and DUI convictions can all contribute to higher insurance rates, indicating a higher risk of future claims.

Claims History

If you have a history of filing multiple claims, insurance companies may view you as a higher risk and adjust your rates accordingly. Even one significant claim, such as a serious accident, can impact your premiums for several years.

Credit Score

In most states, insurance companies can factor in your credit score when determining rates. A lower credit score may be perceived as an indicator of higher risk and can result in higher premiums.

Vehicle Type

Your vehicle’s make, model, and year can affect insurance rates. Sports cars, luxury vehicles, and high-performance models typically have higher premiums due to their increased repair costs and higher risk of theft or accidents.


Where you live and park your vehicle can also impact your rates. Urban areas with higher theft rates, vandalism, or accidents may result in higher premiums than rural or suburban areas.

Age and Driving Experience

Younger, less experienced drivers typically pay higher rates due to their higher risk profile. Similarly, senior drivers may also see higher premiums due to slower reaction times and potential health concerns.

Maintaining Affordable Car Insurance

To keep your car insurance rates low, be proactive in maintaining a clean driving record and avoiding potential issues related to parking tickets. Here are some tips to help you maintain affordable coverage:

  • Pay parking tickets promptly: As discussed, unpaid parking tickets can lead to consequences that may impact your insurance rates. Be sure to pay any fines on time to avoid additional penalties.
  • Improve your driving habits: Distracted, careless, or reckless driving is dangerous and can result in severe accidents.  Avoid using your phone or engaging in other activities that could distract you from the road.
  • Take advantage of discounts: Take advantage of available discounts, such as bundling your auto insurance with other policies.
  • Shop around for rates: Conduct thorough research and compare insurance quotes from different companies to find the best rate for your coverage needs.
  • Consider usage-based insurance programs: Many insurers offer usage-based insurance programs that reward safe driving habits with lower premiums. These programs often use telematics devices or smartphone apps to monitor your driving behavior and provide discounts based on your performance.

American Auto Insurance: Affordable Coverage in Illinois

Our American Auto Insurance team understands the importance of affordable car insurance for Illinois drivers. That’s why we offer competitive rates and a commitment to providing personalized service and guidance. We specialize in SR22 filings and can help you navigate the complexities of car insurance in Illinois.

We invite you to explore our coverage options and uncover potential savings. Our friendly and knowledgeable staff will collaborate with you to craft the best policy tailored to your unique needs and budget.

Stay Informed and Proactive

Staying informed about the factors impacting your insurance rates is crucial for maintaining affordable coverage. By being proactive in maintaining a clean driving record and addressing any potential issues related to parking tickets, you can help keep your premiums low.

Remember to regularly review your policy and explore options for lowering your rates. If you have any questions or need personalized assistance, don’t hesitate to contact us

Take Control of Your Car Insurance Costs Today

Don’t let parking tickets or other factors increase your car insurance rates. Take control of your coverage costs by exploring our competitive rates and personalized support. Our commitment to affordable coverage and expertise in cheap SR22 car insurance make us the ideal choice for Illinois drivers. Get a quote today and see for yourself.

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