California can insurance company increase my premium by 95% for 1 point

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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: Aug 9, 2015

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Insurance Question from Tustin, CA

Asked on 08/09/2015

California can insurance company increase my premium by 95% for 1 point My auto insurance company increased my premium based on a violation. I pulled my DMV record confirming one violation code 22450 (I did not stop at a stop sign long enough). Can State Farm increase my premium 95% for a record containing only 1 point? Are there any regulations regarding rate increases? Also the date they are referencing is the paid date not the issue date. Thank you in advance.

Answer given on August 24, 2015

Auto insurance companies have their insurance rates filed with the state and must apply them as filed. An increase of 95% seems excessive for one violation if it is what you say it is. You should call your insurance agent and ask them why your premium increased as much as it did. If it is your only ticket and accident then you would still be eligible for the good driver discount, presuming you qualify for it with 3 years driving experience. Your agent should be able to explain the increase.If you are eligible for the good driver discount, and the insurance company still intends to increase your premium you should shop around for other quotes. There are many insurance companies out there and there is a broad range of costs, depending upon the insurance liability limits and deductibles you select.

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