In general a non-moving violation normally does not affect your insurance rates. 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.

The NY Insurance Department states that insurers classify drivers according to such criteria as age of driver, geographical location, mileage and type of vehicle. To further refine those classifications, many insurers use merit rating plan, a point system in which increases are applied according to an individual driver's record (traffic convictions and accidents).

Surcharges are applied to liability (bodily injury & property damage), collision and no-fault (PIP) coverages, and are only allowed for:

• accidents involving bodily injury, or losses to property in excess of the accident reporting threshold ($1,000), where the insured driver is at fault, or
• convictions for certain violations which are chargeable under the Insurance Law.

To find out if an expired inspection sticker is one of the violations that the NYS Insurance Law finds as surchargeable, check with the New York Insurance Department and/or search NY insurance laws.