Editorial Integrity - Why you can trust CarInsurance.com
At CarInsurance.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.
What is considered a minor driving infraction vs. a major driving violation?
When it comes to major vs. minor traffic infractions, starting with your state's Department of Motor Vehicles (DMV) is your best bet.Skip to article
Written by:
Chris Kissell
Contributing Researcher
Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
There is not one set-in-stone list of what is considered a minor traffic infraction and what is considered to be a major violation. How a state for licensing and points purposes classifies an infraction can differ from how a car insurance company classifies a traffic violation for rating purposes.
What is a major driving violation?
Though there is not a master list of violation classifications, there are several traffic violations that state Departments of Motor Vehicles (DMV) and insurance companies consider major when you are convicted of them. The offenses typically determined to be major violations include:
Operating the vehicle under the influence of alcohol or narcotics (DUI or DWI)
Driving with a suspended, revoked or invalid license
Refusing to stop or fleeing from a law enforcement officer
Committing vehicular homicide, manslaughter or assault with an auto
What is a minor driving infraction?
Minor infractions would thus tend to be most any other traffic violations you receive that is not considered to be a major or serious offense. Common minor offenses include speeding, running a red light, failing to yield and failing to obey a traffic device.
Your agent should be able to tell you what your automobile insurance company determines to be major violations, what other offenses are then considered minor and even what offenses may not be considered for rating purposes.
While your DMV might find the following offenses to be minor infractions, some car insurance providers do not classify the following infractions as minor offenses when it comes to rate increases:
A motor vehicle equipment requirement violation
Failure to display proper license plate numbers
Failure to have in possession an operator’s license
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
✓Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered.Due to technical error, please try again later.
Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.