Does making an illegal turn impact your auto insurance? [Updated Rates]

How illegal turns impact your auto insurance rates depends on your state laws regarding illegal U-turns and illegal left turns. If you received a ticket for making an illegal turn, insurance companies will find out when they check your driving record.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: May 10, 2022

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Certain violations affect auto insurance more than others. Some – like a DUI – will double auto insurance rates overnight. Others – like a parking ticket – won’t affect auto insurance at all. But does making an illegal turn impact your auto insurance?

Today, we’re explaining everything you need to know about how making an illegal turn impacts your auto insurance, including how much your insurance may rise after getting caught making an illegal turn.

If you’re worried about your rates after an illegal turn, you may want to shop around. Use our free tool above to get quotes and save.

How Illegal Turns Impact Your Auto Insurance Rates

There are different types of tickets, with both moving violations and non-moving violations, and not all affect your rates. So, what kind of tickets affect your auto insurance? Non-moving violations are normally for things that aren’t related to your driving, like parking tickets or minor equipment violations.

Is an illegal u-turn a moving violation? Ultimately yes, but it’s a relatively minor violation.

Most illegal turns will have a minimal affect your auto insurance rates. Some illegal turns will have no impact on auto insurance rates whatsoever.

If this is your first violation, then your insurance company could just ignore the violation. You might maintain your safe driving discount, and you could continue paying the same insurance rates.

If your insurance company is particularly strict, then a single illegal turn violation could cause you to lose your good driver discount, causing insurance rates to jump.

For places like Nevada that treat moving violations like speeding tickets, you may see some increase in your rates. Here are rate increases after a speeding ticket, so you can see about how much your rates will go up.

Rates after One Accident or Speeding Violation
Driving RecordClean recordWith 1 speeding violation
State Farm$2,821.18$3,186.01
American Family$2,693.61$3,025.74
Liberty Mutual$4,774.30$5,701.26
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Your rates can go up anywhere from 12 to 24 percent for these major insurers.

In most cases, however, a one-time ticket for an illegal turn will have a negligible effect on auto insurance rates.

Auto Insurance Increases for Illegal U-Turns

Typically, you won’t see the rate increase for traffic violations until your policy is up for renewal. Unless there has been an extreme violation, it’s unlikely that your auto insurance company will immediately raise insurance rates.

Typically, insurance companies will check your driving record, which does impact your insurance rates when your policy is up for renewal. Until they check your driving record, your insurer will have no idea that you made an illegal turn.

How long will a ticket impact my rates?

A ticket will typically impact insurance rates for three to five years. Rules vary between states and insurance companies. Certain violations are also treated more severely. In California, for example, insurance companies are prohibited from offering a good driver discount until at least ten years have passed after a DUI violation.

With an illegal turn violation, however, it’s unlikely that it will impact insurance rates for more than three years – if it affects insurance rates at all.

What happens if I’m hit while making an illegal turn?

Sometimes, an illegal turn becomes even more serious: you made an illegal turn, and then another driver hit you.

In this case, an investigation will take place to determine who is at fault. Each driver’s insurance company will examine the incident to determine what took place and which driver was at fault.

In some cases, the fault is split evenly between both parties. They were both equally at fault.

If you were performing an illegal maneuver and were hit, however, it increases the chances that you will be found at fault for the accident – especially if the other driver was driving legally.

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Illegal U-Turn Ticket Fines and Penalties

Depending on your state and the severity of your violation, you could receive a fine or penalty:

Fine: An illegal U-turn ticket costs $25 to $50, depending on your state or city. In certain regions, however, illegal turn violations are treated with particular severity. Nevada, for example, treats this infraction like a speeding violation. A ticket for an illegal U-turn costs up to $1,000 there, and might also come with 120 hours of community service and/or six months of imprisonment.

Points: If you live in a state with a points system, then you might have penalty points added to your driving record. New York, for example, adds two points to your driving record for an illegal turn.

If you receive six or more points over a short period of time – even if they’re for minor violations – then you could face further penalties. Accruing more than 11 points in an 18-month period, meanwhile, can lead to suspended license.

Not all states have laws that explicitly make any kind of U-turn illegal. For instance, it’s not as straight-forward on when you’ll get an illegal u-turn ticket in Texas. The Traffic Code says a driver can make legal U-turns as long as they are able to see at least 500 feet ahead in the direction of oncoming traffic.

If you’re in the Peach State, how much is an illegal u-turn ticket in Georgia? Lawson and Berry, a law firm in Georgia, notes that you could get up to $1,000 or one year in jail or both.

You can also have three points added to your record. How much do three points affect insurance rates? Your rates will absolutely go up, but the good news is that points only stay on your record for two to three years in most states.

Meanwhile, if you make an illegal U-turn in Pennsylvania, the ticket may cost between $25 and $100.

You also need to pay attention to the city you’re driving in. Some cities have much stricter laws than their respective laws, partly because U-turns are more dangerous in areas with a lot of pedestrian traffic. One example is in Chicago.

An illegal U-turn ticket in Chicago can cost more, as you’re responsible for any and all damages, including medical bills, lost wages, and vehicle repairs that occurred if you caused an accident while making that U-turn.

And your rates will absolutely go up with one accident. Here are rate increases if you get just one accident on your record.

Rate Increase From One Accident
CompaniesAverage Annual Auto Insurance Rates with a Clean RecordAverage Annual Auto Insurance Rates with 1 Accident
State Farm$2,821.18$3,396.01
American Family$2,693.61$3,722.75
Liberty Mutual$4,774.30$6,204.78
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You’ll have to pay anywhere from 20 to 49 percent extra for these major insurers if you cause an accident.

Make sure to pay attention to all signs and be aware of the laws where you’re driving. As always, be careful and use caution.

What’s an illegal U-turn?

An illegal turn occurs when a driver turns in a manner considered unsafe or illegal.

FindLaw notes that the definition of an illegal U-turn depends on the jurisdiction it occurs in. But, it’s always a good idea to check for “no U-turn” signs before you commit to doing it. Also, it’s pretty much never okay to make a U-turn in the middle of an intersection or the middle of the street. So, if you make an illegal and unsafe U-turn, you can get a ticket for it.

Illegal turn tickets are relatively rare in most jurisdictions. However, a police officer may issue an illegal turn ticket when a driver makes a dangerous U-turn on a busy road or a similarly hazardous turn.

Some drivers receive an illegal turn violation when they turn on a “No Turn On Red” sign or make a U-Turn at a “No U-Turn” intersection, for example.

Other drivers receive an illegal turn violation for more serious incidents – like making a U-Turn on a freeway or crossing multiple lanes to make a turn. A driver could also receive numerous fines for a single incident, like an illegal lane change combined with an illegal turn violation.

What if there was no obvious sign, or you made the turn to avoid something worse? If you know how to fight a no right turn ticket or U-turn ticket, you might be able to get it thrown out. It all comes down to why you did it and if you can prove it. NOLO provides some insight into some defenses you might be able to use if you feel like the ticket was unjust.

Final Word on Illegal U-Turns and Auto Insurance

Ultimately, an illegal turn is a relatively minor moving violation. How much is a ticket for making a wrong turn? In most cases, it leads to a fine of $25 to $50 and a negligible increase in insurance rates.

However, if you have accrued multiple moving violations in a short period of time, or if you already have a poor driving record, then you might face more severe penalties and higher insurance rates after getting caught making an illegal turn.

If your rate have increased because of an illegal u-turn, you may want to use this time to shop around. You can use our free tool below to get quotes and save money.

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