Does a seatbelt ticket affect insurance?

Tito Bucheli for CheapInsurance.com

Does a seatbelt ticket affect insurance?

Seatbelt laws exist to keep drivers and passengers safe. While wearing a seatbelt is second nature for many, there are still times when people forget, or in rare cases, choose not to buckle up. In most states, failing to wear a seatbelt can result in a ticket.

But beyond the fine itself, many drivers wonder if a seatbelt ticket will also raise their car insurance quotes. The answer depends on a few factors, including the type of seatbelt law in your state, how your insurer assesses violations, and whether the ticket goes on your driving record.

This guide by CheapInsurance.com breaks down exactly what a seatbelt ticket is, how it is issued, whether it can impact your insurance rates, and what steps you can t