Careless or reckless driving can be considered a serious or major offense depending upon the state in which the citation was given and the description of the offense.
In general, reckless driving is considered by most states and insurance companies as a serious violation while careless is not as severe and in some states may not even show on your record.
Thus it will depend on your state and whether you are talking about a careless violation or a reckless violation if the citation will affect your insurance and if so by how much.
Since auto insurance company's rating systems differ you would need to speak to your insurance agent about your provider's rating system and how a careless or reckless ticket would affect your rates.
If you have received this type of ticket and your insurance rates do go up then you can shop around for lower cost car insurance here with us.