Getting a ticket can affect more than a driver's record — it can also jack up their auto insurance premiums.
Insurers look at cars, drivers, and traffic violations when building auto policies. While accidents can hike up insurance premiums for all drivers of a particular type of vehicle, tickets can boost premiums for each individual driver, based on their violations.
While drivers — not their cars — earn their tickets, violation-prone drivers tend to drive similar vehicles. Insurance.com recently analyzed over 550,000 car insurance quotes to find out which cars get ticketed the most, and how tickets affect quotes for those vehicles. Insurance.com ranked the top 10 most ticketed cars based on the percentage of the vehicles' drivers who report violations.
Insurance.com ran sample rates for a 25-year-old driver who lives in California for each of the top “ticket magnet” cars, looking at how rates changed after reporting a wide variety of traffic violations. The site compared quotes on full coverage for cars newer than 2004 and got liability-only quotes for older vehicles.
So which cars are most likely to get ticketed? Click “next” to see the top 10 most ticketed cars.
10: Mazda Mazda2
Drivers who report violations: 28.1%
Sample of ticket impact on insurance for: Racing
2014 Mazda Mazda2, 50/100/50 liability, $500 deductible for comprehensive and collision
- Range of quotes with no violations: $2,310 to $3,408
- Range of quotes with conviction for racing: $3,454 to $4,322
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9: Toyota FJ Cruiser
Drivers who report violations: 28.4%
Sample of ticket impact on insurance for: Speeding in a school zone
2010 Toyota FJ Cruiser, 50/100/50 liability, $500 deductible on comprehensive and collision
- Range of quotes with no violations: $1,742 to $2,576
- Range of quotes with conviction for speeding in school zone: $2,584 to $3,406
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8: Scion TC
Drivers who report violations: 28.8%
Sample of ticket impact on insurance for: Speeding in excess of 100 mph
2012 Scion TC, 50/100/50 liability, $500 deductible on comprehensive and collision
- Range of quotes with no violations: $2,482 to $3,850
- Range of quotes with conviction for speeding in excess of 100 mph: $3,060 to $4,804
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7: Mercury Topaz
Drivers who report violations: 28.8%
Sample of ticket impact on insurance for: Failure to yield
1991 Mercury Topaz XR5, 50/100/50 liability only
- Range of quotes with no violations: $654 to $1,210
- Range of quotes with conviction for failure to yield: $878 to $1,700
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6: Volkswagen Rabbit
Drivers who report violations: 29.6%
Sample of ticket impact on insurance for: 3 speeding tickets 6 to 9 mph over the limit
2007 Volkwagen Rabbit, 50/100/50 liability, $500 deductible on comprehensive and collision
- Range of quotes with no violations: $1,538 to $2,532
- Range of quotes with 3 convictions for speeding 6 to 9 mph over limit: $2,332 to $3,282
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5: Subaru Tribeca
Drivers who report violations: 29.7%
Sample of ticket impact on insurance for: Fleeing from police
2014 Subaru Tribeca, 50/100/50 liability, $500 deductible on comprehensive and collision
- Range of quotes with no violations: $2,112 to $3,172
- Range of quotes with conviction for fleeing from police: $3,932 to $7,872
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4: Toyota Supra
Drivers who report violations: 30.8%
Sample of ticket impact on insurance for: Driving without insurance
1996 Toyota Supra, 50/100/50 liability only
- Range of quotes with no violations: $628 to $1,250
- Range of quotes with conviction for driving without insurance: $792 to $1,250
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3: Scion FR-S
Drivers who report violations: 32.6%
Sample of ticket impact on insurance for: Two speeding tickets 6 to 9 mph over limit
2013 Scion FR-S, 50/100/50 liability, $500 deductible on comprehensive and collision
- Range of quotes with no violations: $2,672 to $3,596
- Range of quotes with 2 convictions for speeding 6 to 9 mph over limit: $3,350 to $5,880
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2: Pontiac GTO
Drivers who report violations: 32.7%
Sample of ticket impact on insurance for: DUI no accident
2006 Pontiac GTO, 50/100/50 liability, $500 deductible on comprehensive and collision
- Range of quotes with no violations: $2,044 to $3,276
- Range of quotes with conviction for DUI no accident: $5,758 to $6,072
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1: Subaru WRX
Drivers who report violations: 33.6%
Sample of ticket impact on insurance for: Speeding 11 to 15 mph over limit
2014 Subaru WRX, 50/100/50 liability, $500 deductible on comprehensive and collision
- Range of quotes with no violations: $2,618 to $4,182
- Range of quotes with conviction for speeding 11 to 15 mph over limit: $3,610 to $5,248
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