How much will that speeding ticket raise your insurance cost?

Louisiana tops the list for insurance premiums for high risk drivers.

People cited for things like DUI and reckless driving can find their finances drained by heavy fines, but that's only where the costs begin. Since your insurance company will regard you as a higher risk, your car insurance premiums can rise over two times higher than the premiums a safe driver would pay, and it takes 3-5 years to clean your record.

The insurance premium penalty for high risk drivers varies widely from state to state, and it varies by type of violation. In some states, a checkered driving history means a big increase in insurance premiums, in other states the jump in premiums is relatively small.

How do different moving violations affect your annual insurance premiums in Louisiana?

• DUI Conviction: $1,946 increase
• Speeding over 20 mph: $602 increase
• Two accidents: $2,953 increase
• Reckless driving: $1,427 increase
• Driving with a suspended license: $1,393 increase