Do "no point" tickets increase your rates.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 3, 2019

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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.


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