Like birthdays and bathroom visits: Traffic tickets happen. But some moving violations are more serious than others, and the worst among them will impact a driver's auto insurance rates for years to come. The average yearly auto insurance premium for drivers in the United States ranges from $1,220 to $1,660, according to research conducted by insurance comparison site The Zebra. And while there are multiple factors that dictate an individual's premium — including age, gender and location — perhaps few issues are as malleable as a policyholder's driving record. A good driving record translates into lower premiums. A poor driving record can have the opposite effect. Drivers in the U.S. rack up between 25 and 50 million traffic tickets each year, according to the National Motorists Association. The traffic tickets most likely to impact an individual's auto insurance rates are highlighted in the slideshow above. Once a driver's insurance carrier learns about one of these moving violations, experts say insurance premiums are likely to go up for the next three years. Nationwide, drivers are statistically most likely to get a speeding ticket in South Carolina, Iowa and Virginia, based on research conducted by Insurify, an auto insurance comparison website, which compiled traffic ticket data from the Insurance Institute for Highway Safety (IIHS) and the FBI. See also:

• Top 15 states for deadly motor vehicle accidents
• 20 car crash tips and things you should know after an accident
• 10 states with the biggest increase in auto accident costs