Do "no point" tickets increase your rates.
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Feb 3, 2019
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Carmel, NJ
Asked on 02/03/2019
Do "no point" tickets increase your rates. I have auto insurance, and I'm from NJ. I recieved my first ever ticket for having expired registration. The ticket is a "no point" ticket. My registration expired about two weeks ago and I forgot to renew it. Will my insurance company increase my rate for the ticket? Do "no point" tickets hurt your standing with your insurer?
Answer given on February 05, 2019
Auto insurance companies increase the cost of your insurance for a moving violation, and some other types of citations. However, they do not increase your rates for a “no point” ticket such as an expired registration, a parking ticket or a fix it ticket.
Most of these types of tickets do not even show on your driving record. Once you have either paid for the violation or fixed it (such as an expired registration or improper license plate display) it will be settled with the DMV and will simply go away.
While these tickets are not a problem, the insurance companies are getting more aggressive for a car pool violation or a cell phone violation. Be sure you do not get a citation for these as they are expensive fines and can cause your insurance rates to skyrocket and they stay on your record for at least three years.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.