Recently, Insurance.com assembled a team of experts to determine how much you can expect your auto insurance to increase by if you are found guilty of committing a traffic offense.

Their team of experts analyzed the top 14 most common traffic violations and discovered that reckless driving was the most costly violation while a mere seat-belt violation only slightly increased a person’s rate. The experts analyzed more than 490,000 insurance quotes given to drivers from 14 carriers from January 2009 through January 2011.

The analysis compared quotes that were given to drivers with the 14 most common violations and compared them with quotes given to drivers without any violations. The following is the list of results that they found and the answer to the question we all have been looking for:

Additionally, their team of experts constructed “The ‘Uh-Oh’ Calculator.” This ingenious device will determine how much you can expect your specific rate to increase for a traffic violation based on the uniquely tailored data you input.

You will be given the opportunity to select your offense, the state you live in, your marital status, age, residence type, amount of years you have been with your carrier, and your yearly premium.

This new tool lends credence to what we have been telling you all along. Pleading guilty to a NY traffic ticket is simply not an option and trying to fight it alone is far too risky.