Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
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UPDATED: Aug 17, 2020

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Key Reckless Driving Information
Reckless Driving FactsSource
Reckless Driving is defined as driving a vehicle recklessly or at a speed in a manner so as to endanger someonelaw.lis.virginia.gov
Maximum reckless driving penalties in VA: 12-month jail sentence, $2,500 finemedvinlaw.com
Driving 25 miles per hour or more over the posted speed limit is reckless drivinglawfirms.com
Racing with another vehicle is reckless drivinglawfirms.com
Trying to elude a police officer is reckless drivinglawfirms.com
Operating after dark without headlights is reckless drivinglawfirms.com
Inattention due to cell phone use or texting is reckless drivinglawfirms.com
Passing another vehicle on a two lane highway where visibility of oncoming traffic is limited is reckless drivinglawfirms.com

We understand that finding the right insurer can be a hassle. This is further exacerbated by the fact that reckless driving and auto insurance rates do not mix well.

Reckless driving insurance coverage can unfortunately be quite hard to come by, at least for a reasonable price. This is why we will go through everything step by step so you can find the best cheap auto insurance.

Before learning more about reckless driving and auto insurance rates, please feel free to type in your ZIP code into our tool above to find insurers in your area. You may even be able to find cheap auto insurance for those with speeding convictions and even reckless teenager quotes.

I Have Been Convicted of Reckless Driving

Unfortunately, your insurance rates are likely to increase.

What is considered reckless driving? According to Virginia law, reckless driving is defined as “Irrespective of the maximum speeds permitted by law, any person who drives a vehicle on any highway recklessly or at a speed or in a manner so as to endanger the life, limb, or property of any person.”

A reckless driving ticket could cost you anywhere from $300 to $1,000. But, that’s not all. You’ll have your driving record to think about. How long does reckless driving stay on record? A staggering 11 years.

Remember that you will also have to put a reckless driving charge on your future job applications.

If you were convicted of reckless driving, insurance rates will most likely skyrocket for you. A reckless driving conviction is a serious offense that will likely yield increased insurance costs for many years.

Various motorists have seen their rates increase up to 50 percent or more. Other drivers have been unfortunate enough to have their car insurance canceled by their provider. Then, you have to go through the hassle of reinstating your license. Here is a video on how to do so in the state of Virgina.

There are many states in the U.S. concerned with decreasing speed, lowering the number of drunk drivers on the road, reducing reckless driving, and improving safety. Many of these states have created basic courses such as Driver’s Ed, Driver Safety, and Defensive Driving classes for motorists to take advantage of.

As a driver, you can find these courses online, you can take them in a classroom, or you can get personal instruction behind the wheel with a driving instructor who will ride along with you.

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Legal Assistance for Reckless Driving

If you’re having an exceptionally hard time finding coverage, you may wish to seek legal counsel. With the help of an attorney, you can figure out exactly what your rights are and what would be a fair premium to pay.

A lawyer who is skilled in traffic law may be able to help you negotiate the charge down to a lesser offense, thus improving your record. Of course, most of what happens in the wake of a reckless driving charge is heavily dependent on state law. Your best bet is to deal locally to help resolve your particular situation.

Here is a video from a California law firm that offers legal assistance in a case such as reckless driving.

Let’s move on to what will happen to your premiums.

What happens if I’m charged with careless driving?

Your insurance premiums will go up.

If you are a reckless driver in Alabama, for example, you have two different classes you can take in order to improve your record. The first is a four-hour class, but in order to take it, you must have had no moving violations on your record within the past five years.

After that, if you would like to improve your record further, there is an eight-hour class on defensive driving you can take. Your previous four-hour class is required, in addition to a clean record since, or you must be taking the eight-hour class in order to clear a recent reckless driving charge.

Find careless driving insurance in your state and find how traffic violations increase car insurance rates. It is of little doubt that with reckless driving, your insurance will increase.

Let’s take a look at a table comparing rates for those with a clean record versus those with a record containing a reckless driving citation.

Average Annual Auto Insurance Rates Due to Reckless Driving
StatesAverage Rates with a Clean RecordAverage Rates with a Reckless Driving Violation
Illinois$34$49
California$64$164
New York$93$153
Texas$105$145
Florida$126$225

As you can see, a reckless driving ticket can more than double your rates, such as in California. Fear not, you can lower these rates.

For example: In New York state, there’s an all-encompassing program in place called “Point and Insurance Reduction Program.” If you are an insured motorist who completes a certified accident prevention curriculum, you may be eligible to take up to four points off your license and save a maximum of 10 percent off your auto insurance rates.

New Jersey is another state which has programs in place to help reduce the influence of driving citations on your record. Taking an approved defensive driving class can remove at most two points from your driver’s license if you live in the state.

Still, having an at-fault accident on your record will affect your rates. Let’s take a look at a table comparing a clean record and a record with an at-fault accident on it.

Average Annual Auto Insurance Rates Due to an At-Fault Accident
StatesAverage Rates with a Clean RecordAverage Rates with an At-Fault Accident
Illinois$34$52
California$64$101
New York$93$93
Texas$105$157
Florida$126$199

Interestingly enough, New York sees its rates remain stagnant even with an at-fault accident on record.

Let’s take a look at a video explaining the difference between no-fault and at-fault.

Now, let’s move on to how you can lower your premiums.

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Reckless Driving: Lowering Auto Insurance Premiums

The first step after getting charged with reckless driving is to check with your local DMV and see what classes are available to help improve your record and/or reduce the reckless driving charge.

The next step is to find out how a defensive driving course can help lower your insurance premiums. Charged with reckless driving? Auto insurance premiums can still be lowered.

Do you have a reckless driving charge in Texas? Are you wondering how to get full coverage insurance with a reckless driving ticket? Are you in a situation where you were denied gap insurance coverage because of reckless driving?

Perhaps you got a reckless op (reckless operation) offense in Ohio. Well, it’s important to know that you’re going to be considered a high-risk driver.

Maybe you’re thinking, “I got a citation for careless driving, not reckless driving.” Well, unfortunately, while reckless driving is considered worse, both will result in you being labeled a high-risk driver. This applies to careless vs reckless driving in NJ, Michigan, Montana, anywhere, really.

Remember that some insurance companies only want to cover low-risk drivers, while others want to help insure those who may be a high-risk driver. No matter what sort of company you buy your policy from, however, you need to be prepared to pay higher premiums than you would with a clean record.

Let’s take a look at a table comparing rates for a clean record and records with a DUI and with a minor speeding ticket. An example of what will be shown in this table is reckless driving vs. DUI rates in Florida

Average Annual Auto Insurance Rates Due with a Speeding Ticket and DUI
StatesAverage Rates with a Clean RecordAverage Rates with a Minor Speeding TicketAverage Rates with a DUI
Illinois$34$42$49
California$64$91$164
New York$93$107$153
Texas$105$123$145
Florida$126$159$225

As you can see, while a minor speeding ticket does raise your rates, it’s a DUI that drastically elevates what you pay for insurance. Here is a page on DUI insurance.

Don’t let reckless driving charges make your insurance policy become unaffordable. Shop around for reckless driving auto insurance today.

Now that you know about reckless driving and auto insurance rates, type your ZIP code into the tool below to find reasonable rates in your area. You’ll even be able to get auto insurance quotes for convicted drivers and cheap car insurance for those with drunk driving convictions.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Frequently Asked Questions: Reckless Driving and Auto Insurance Rates

We hope we’ve covered everything, but just in case, below are some common questions.

#1 – What is the best insurance company for high-risk drivers?

The General is seen as the best for minimum coverage and State Farm is seen as having the best rates after a DUI.

#2 – A reckless driving conviction goes on what record and how do you get careless driving off your record?

A reckless driving conviction goes on your DMV record and there is no real method of expungement.

#3 – Does auto insurance cover reckless driving and can reckless driving be reduced?

Your insurer will pay out even if you cause an accident driving recklessly. If the culpability is slight, you may get the judge to allow the charged to be reduced to improper driving.

#4 – How long does reckless driving affect insurance and how long is reckless driving on your record?

Insurers generally analyze the past three to five years and it stays on your record for 11 years.

#5 – How much will reckless driving increase insurance and how does a reckless driving ticket affect insurance?

It depends on the state, but insurance coverage following a reckless driving ticket usually goes up about 70 percent in price.

#6 – How much is a reckless driving ticket in Alabama?

A first offense Alabama reckless driving ticket cost ranges from $25 to $500.

#7 – How long does careless driving stay on record in Florida?

Even with a careless driving Florida class, you can expect it to stay on your record for three to five years. What pertains to reckless driving and Florida insurance also pertains to careless driving in South Dakota, California, etc.

#8 – Does negligent driving affect insurance and how does careless driving affect insurance?

Yes, absolutely, and your premium quotes on rash driving can rise by about 70 percent.

#9 – How long does a wet reckless affect your insurance and stay on your record?

A wet reckless will stay on your record for 10 years and your insurer will treat it just like a DUI. Thusly, wet reckless increases insurance rates drastically. This includes an incident of wet reckless in Vermont, Washington State, anywhere.

#10 – How much will insurance increase with four points?

Even just two points increase a driver’s insurance by anywhere from 20 percent to 100 percent, depending on your state of residence.