Motorists with less than stellar driving histories pay an average of $2,005 annually for car insurance, while drivers with clean records pay an average of $1,483 for personal auto insurance, according to a study by Insurify. Just a single traffic offense can result in an average rate increase of 35%, according to Insurify's Insuring the American Driver report. The insurance comparison site reported that auto rates increased 12% in 2021 as Americans returned to the roads, while also retaining some poor driving habits picked up during the pandemic. Insurify projects that personal auto rates are anticipated to grow 5% in the coming year, while other industry watchers estimate growth ranging from less than 1%-3%. "With inflation over 5%, driving rates returning to pre-pandemic levels and rising collisions, there are many factors leading to increased auto insurance prices," Kacie Saxer-Taulbee, head of research and content at Insurify, said in a release. "Even when you set aside economic factors, drivers are expressing a distinct difference in their experience on the roads in 2021, with 38% reporting driving more frequently and 44% witnessing more aggressive driving." The above slideshow reveals how much a driving violation can increase auto insurance rates, according to Insurify. Related:

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