The average New Yorker pays $1,181.86 a year for car insurance premiums. However, car insurance rates vary heavily based on several factors including your driving history. According to the Department of Motor Vehicles, one of the most important factors that auto insurers look at when setting your premiums is your traffic ticket history. Their assumption is that Motorists with more traffic tickets and violations, are statistically more likely to get into traffic accidents.

Usually, it is not the number of traffic violations on your record, but rather the type of violations that can have the largest impact on your car insurance premiums. For example, being convicted of driving at 10 miles over the speed limit will have a moderate effect on your insurance rate while a Driving While Intoxicated (DWI) conviction will have significant consequences on your rates. It's important to keep in mind that traffic tickets you've gotten from other states may affect your premiums, even if you do not receive points on your license.

To keep your car insurance rates down, it is advisable not to admit guilt when you receive a traffic ticket. Instead, consult an experienced traffic attorney who can be effective in reducing or even eliminating traffic fines and points.

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