Do Citations Go On Your Record?

Do Citations Go On Your Record? Do tickets affect my insurance rate? Citation vs Ticket. Types of citations explained.

4 min read
By Prerna
Do Citations Go On Your Record?
Photo by Arman Taherian / Unsplash

Following traffic laws is wise for both safety and economic reasons, yet we all make mistakes from time to time. Being penalised for a driving offence is stressful enough without adding legal jargon. Is there a distinction between a citation and a ticket? Is one more important than the other? How long does a citation stay on your record?

Understanding the subtleties can help you deal with it more effectively if you ever receive a traffic ticket. Not only that, but knowing how citations affect auto insurance prices is also essential. Even the cheapest auto insurance might become costly after several traffic violations.

Citation vs Ticket

Is it a ticket or a warning if you get a citation? What is the definition of a citation ticket? The dispute about source vs. ticket is pointless because both terms relate to the same thing, and a citation is simply another term for a ticket. On the other hand, a warning carries fewer consequences than a citation or ticket.

When drivers are detected breaking traffic laws, law enforcement officers issue them tickets or citations. These tickets are a legal charge against the driver, indicating that they broke the traffic laws in question. Many of these transgressions, however, are not regarded as criminal offences.

In general, tickets are classified into three categories based on the severity of the infringement and the repercussions that follow. Driving offences can result in simple warnings to fines and possible jail time. Except for the alerts, all of them are expected to raise insurance premiums.

Types of citations


Law enforcement authorities may choose to write a warning depending on the circumstances and severity of the offence. A sign does not carry a monetary penalty and has no bearing on your insurance rates. A first-time offender is more likely to receive a warning than someone who has a long history of traffic violations. Even if you have a spotless driving record, more serious traffic offences are unlikely to receive a warning.

Verbal warnings do not transfer to driving records, although written warnings do in some states. These can lower the chances of receiving a notification in the future. If officers notice that a driver has gotten several speeding signs, they are more likely to issue a penalty.

Fines and penalties

You may receive a ticket that includes fines and other penalties if you are caught running a red light, speeding, or committing other fundamental moving infractions. The majority of tokens in this category are for offences that do not or are unlikely to result in jail time or criminal charges. While these citations do not always result in jail, they almost always result in a rise in insurance costs. This category includes the majority of non-moving offences or those that occur while the vehicle is parked. For example, expired tags and some sorts of illegal parking frequently fall into this category.

Misdemeanour and felony traffic violations

This level of the ticket is reserved for offences classified as misdemeanours or felonies. Serious traffic offences, such as hit-and-runs or DUIs, can result in steep penalties, jail time, and the suspension of a driver's licence. These instances can result in considerable increases in insurance premiums, or the insurance company may opt to drop these offenders as customers, resulting in the cancellation of their insurance policy.

Do tickets affect my insurance rate?

Tickets not only affect insurance prices in general, but different types of keys have varying degrees of impact on insurance premiums. Speeding fines and less serious traffic violations usually result in a lower increase in insurance rates. Ticketing for auto accidents and serious traffic offences, on the other hand, results in higher rates. If you commit more severe traffic offences, your insurance provider may drop you, or you may face incarceration.

For example, if you have a clean driving record and receive your first speeding ticket, your premiums could rise by 20-23 per cent, depending on whether you have full or minimal coverage. More serious tickets, like a DUI, can result in a considerable increase in insurance costs and the cancellation or ineligibility to renew the policy.

How long do tickets stay on my record?

In most circumstances, speeding tickets and other driving offences remain for three years on a person's record. More serious driving offences, such as DUIs and reckless driving, can linger on your record for ten years. There is, however, some variation across states.

Some states, including Massachusetts, have passed legislation prohibiting insurance companies from penalising drivers for accidents more than a few years ago. Eight states do not employ a point and demerit system to assess driver mistakes, even though most states do. If the motorist accumulates enough demerit points, their licence may be suspended, and their insurance may be revoked. Hawaii, Kansas, Louisiana, Minnesota, Mississippi, Rhode Island, Washington, and Wyoming are the only states that do not employ a point system.

A citation can have a wide range of effects, and much depends on the severity of the offence and whether or not the motorist has a clean driving record. Speeding tickets can result in a 20-23 per cent rise in your insurance cost and fines ranging from minor to severe, and they typically stay on your record for three years. Being at fault in a car accident or receiving a reckless driving ticket can remain on your record for up to ten years, resulting in a 44 per cent premium rise, significant fines, and the possibility of your driver's licence being suspended. A DUI ticket or conviction can result in a substantial increase in your insurance rates, significant fines, a possible suspension of your driver's licence, and possibly jail time, and it will be on your record for 5-10 years.

The takeaway

  • Tickets and citations are two words for the same thing.
  • Citations can range from warnings to misdemeanours and felonies.
  • Citations often lead to an increase in insurance rates.
  • The most extreme traffic violations can lead to jail time.
  • Violations usually stay on driving records for 3-10 years, depending on the severity of the infraction.

A citation is another term for a ticket for traffic offences. When a driver violates traffic laws, they may be issued a visa. The penalties for these charges can range from a warning to a fine to jail time and losing their driver's licence. Even with the most lavish automobile insurance providers, anything beyond an alert will likely raise auto insurance costs. The better a person's driving record is, the more likely they will receive a warning. On the other hand, severe or repeated violations are likely to result in severe penalties.