- Reckless driving: 22 percent
- DUI first offense: 19 percent
- Driving without a license or permit: 18 percent
- Careless driving: 16 percent
- Speeding 30 mph over the limit: 15 percent
- Failure to stop: 15 percent
- Improper turn: 14 percent
- Improper passing: 14 percent
- Following too close/tailgating: 13 percent
- Speeding 15 to 29 mph over limit: 12 percent
- Speeding 1 to 14 mph over limit: 11 percent
- Failure to yield: 9 percent
- No car insurance: 6 percent
- Seat belt infractions: 3 percent
I don’t think these percentages translate 100% for New York drivers but they do provide a good guide. Under NY Insurance Law Section 2335, New York insurance companies may raise a motorist’s insurance rates for only the following traffic ticket convictions.
- Speeding 16+ mph over the limit
- Speeding and/or reckless driving on 3 or more occasions
- Speeding or reckless driving where injury or death results
- Driving while intoxicated or impaired (alcohol or drugs)
- Leaving the scene of an accident without reporting it
For all other traffic ticket convictions, your auto insurance rates cannot be raised unless you have two or more such convictions.
I would therefore revise the Insurance.com’s estimates for New York motorists with one offense only as follows:
- Reckless driving: 22 percent
- DUI first offense: 19 percent
- Driving without a license or permit: 18 percent
- Careless driving: 0 percent
- Speeding 30+ mph: 15 percent
- Failure to stop: 0 percent
- Improper turn: 0 percent
- Improper passing: 0 percent
- Following too close/tailgating: 0 percent
- Speeding 16 to 29 mph over limit: 12 percent
- Speeding 1 to 15 mph over limit: 0 percent
- Failure to yield: 0 percent
- No car insurance: 18 percent (in NY, this is a 1-year revocable offense)
- Seat belt infractions: 0 percent