A citation for an expired inspection sticker in most states is generally considered to be a fix-it ticket or non-moving violation. This does not typically mean as much to an insurance company as a moving violation but some companies look at any and all violations when calculating rates.

Insurance companies differ on their point system that they use to assign values to items on your driving record or claims. If you are interested in finding out how your insurance company determines their rates you can contact your state's insurance regulator which they must file their rates with.