Rates are for liability coverage of $100,000 bodily injury per person, $300,000 bodily injury per accident and $100,000 for property damage (100/300/100), and collision and comprehensive insurance. Nationwide’s rate ($1,454 a year) for drivers with a school bus-related moving violation is about $1,072 less than Allstate’s ($2,526 a year).Īverage annual rate after a ticket for passing a school busĪverage increase after a ticket for passing a school busįor each company we calculated the average rate increase for a driver with a ticket for passing a school bus.Nationwide has the cheapest average annual premium for those with a ticket for passing a school bus, even though the average rate increase was 26%.While the average rate increase was as high as 51%, depending on the company, the average rate increase across all the insurers we analyzed was 29%.We analyzed rates from 13 large auto insurance companies for drivers with a ticket for passing a school bus and found that: Car Insurance Rate Increases After Failing to Stop for a School Bus, by Company So there’s a good chance you’ll see your auto rates increase due to a school bus moving violation, just like you would after a speeding ticket or any other major or minor moving violation. Most states place a certain number of “points” on your driver’s license after you commit moving violations.Ĭar insurance companies have the right to boost your insurance rates at renewal time if they believe the number of points on your record makes you riskier to insure. You’ll only see your rates increase if you’re caught, and if you receive a ticket or fine for violating the school bus safety laws in your state.įrom there, the consequences can vary depending on your state and how your insurance company treats the violation. Illegally passing a school bus that’s currently stopped or preparing to stop won’t affect your auto insurance rates on its own. How Does Illegally Passing a School Bus Affect Auto Insurance? If you recently received a ticket for failing to stop for a school bus in transit, read on to learn how it can affect your car insurance rates as well as other penalties you should be aware of. Still, it’s worth noting that the amount your car insurance rate increases after failing to stop for a school bus can vary based on factors like your car insurance company, where you live, your age and your driving history. It can also lead to higher car insurance rates.Īccording to a Forbes Advisor analysis, drivers who get a ticket for failing to stop for a school bus pay an average of 29% more for car insurance, or about $500 more per year. Violating state school bus laws can result in tickets, fines and other penalties, like points on your license or a license suspension. However, ignoring state laws regarding stopping for a school bus can have dire consequences, including the potential to harm an innocent child who is on their way to or from school. Failing to stop for a school bus that’s stopped or in the process of slowing down may not seem like a big deal when you’re crunched for time.
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