If it was your first ticket, you might not see any change in your insurance rates. Some states have laws governing when and why auto insurers can change policyholders' premiums; often, insurers are not allowed to raise your rates after just one citation. Different companies have different practices when it comes to raising premiums. Some companies will consider the severity of your violation and raise your rates accordingly; others will raise rates a specific amount per violation.

If the violation dramatically increases your insurance premiums, you can click here to get a car insurance quote and compare your rates.

Comment Update: Depending on the state you would see a higher rating classification, but not for 12 years. Most companies only review your driving record for 3 to 5 years. In addition, it would not be considered a surcharge, but rather a rating factor. It could increase your rates by $200 to $300 a year.