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Why A Ticket July 4th Could Follow You For Years

Holiday speeders risk steep insurance premium hikes on top of any fines.



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If you’re hitting the roads around Houston for July Fourth, you’ll want to watch how you drive. A speeding ticket will do a lot more than put a damper on your holiday weekend.

In a normal year, the average Houston driver sees their car insurance premium rise by about $130. According to a study by personal finance web site NerdWallet, a ticket for going 15 miles an hour over the speed limit will triple that increase.

“Not just speeding tickets, but any sort of traffic violation will probably increase your car insurance rate,” says NerdWallet analyst John Kuo. “In addition to speeding tickets, you should really just make sure you don’t drink and drive, don’t text and drive, but definitely just watch yourself when you’re on the road.”

In Texas, a ticket means extra points on a driver’s license for three years. That means any insurance increase will last that long as well.

Andrew Schneider

Andrew Schneider

Politics and Government Reporter

Andrew Schneider is the senior reporter for politics and government at Houston Public Media, NPR's affiliate station in Houston, Texas. In this capacity, he heads the station's coverage of national, state, and local elections. He also reports on major policy issues before the Texas Legislature and county and city governments...

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