Why You Should Pay Your Traffic Tickets Before They Become a Six-Figure Headache
Skip a ticket, pay a fortune: How ignoring traffic fines can wreck your wallet, credit and coverage.

You might think an unpaid traffic ticket is a minor inconvenience, something you can ignore until a warning pops up in the mail. But for some drivers, those unpaid fines have snowballed into six-figure lawsuits, suspended registrations and skyrocketing insurance premiums that stick around long after the last court date.
Just ask the drivers recently sued by the District of Columbia. According to a lawsuit filed by Washington Attorney General Brian Schwalb, five Maryland and Virginia drivers racked up more than $1 million in unpaid traffic tickets while repeatedly speeding, running red lights and driving recklessly through the city.
The city is suing under the False Claims Act, alleging the drivers intentionally dodged payment while continuing to operate vehicles on D.C. streets. It’s a legal tactic usually used for fraud cases, now being applied to drivers whose behavior poses a financial and safety risk to the city.

Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Here’s how serious the reported violations are, according to the suit:
- A Maryland driver owes $187,200 for 344 traffic infractions. That includes 316 speeding citations, with 61 for driving more than 30 mph over the speed limit, which qualifies as aggravated reckless driving.
- A Virginia driver owes $77,100 for 244 infractions, including 202 for speeding. Eight were for driving more than 30 mph over the limit.
- Another Virginia driver owes $69,456 for 263 infractions, with 246 for speeding.
- A Virginia driver owes $58,608 for 197 infractions, including 163 for speeding.
- Another Virginia driver owes $31,316 for 159 infractions, which include 30 for speeding, 20 for running red lights and 15 for running stop signs.
A single ticket can mean years of higher insurance rates
Even if your city doesn’t take legal action, traffic violations can still hit your wallet, especially when it comes to your car insurance. Drivers with tickets or accidents on their record typically pay hundreds to thousands more per year in car insurance premiums.
Here’s how much a single incident could increase your insurance rate, according to WalletHub:
Violation Type | Average Insurance Rate Increase |
Speeding Ticket | 26% |
At-Fault Accident | 49% |
Reckless Driving | 91% |
Driving Under the Influence (DUI) | 105% |
Worse, those increases don’t go away overnight. Most insurers will consider a serious violation for three to five years, meaning a $150 ticket could cost you thousands over time in car insurance premium hikes.
Explore some of today's best car insurance offers by using the tool below, powered by Bankrate:
The hidden consequences of ignoring a traffic violation
Beyond insurance, unpaid traffic violations can trigger a cascade of consequences depending on where you live:
- License suspension or vehicle impoundment
- Civil lawsuits or wage garnishment
- Credit score damage if sent to collections
- Difficulty renewing vehicle registration
In the Washington lawsuits, city officials say some drivers registered their vehicles in other jurisdictions to avoid enforcement.
How to get ahead of unpaid traffic fines before they spiral
If you’re sitting on a stack of unpaid tickets (or even just one), now’s the time to act.
Here are a few ways to protect your finances and keep your car insurance in check:
- Pay your fines promptly. Many cities offer early payment discounts or waive late fees if you settle quickly.
- Ask about payment plans. Some jurisdictions allow you to split large balances into manageable payments and keep your license in good standing.
- Take a defensive driving course. In some states, this can help reduce points or keep a ticket off your record.
- Shop around for insurance. If your rate goes up, don’t just accept the increase; some insurers offer better forgiveness programs than others.
The bottom line on traffic tickets
That $100 ticket might not seem urgent today, but if left unpaid, it could spiral into thousands in legal fees and a steep hike in your insurance premiums.
Don’t let a small mistake turn into a financial disaster. Pay your tickets, drive safely and keep your record clean.
Related Content
Get Kiplinger Today newsletter — free
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.

Carla Ayers joined Kiplinger in 2024 as the E-Commerce & Personal Finance Editor. She earned a master's degree in Integrated Marketing Communications from Eastern Michigan University. Her professional background spans both commercial and residential real estate, enriching her writing with firsthand industry insights. She is passionate about making complex real estate and financial topics accessible for all readers. Dedicated to transparency and clarity, her ultimate goal is to help her audience make informed and confident decisions in their financial pursuits.
-
The Best Health Care Stocks to Buy
The best health care stocks offer investors a defensive hedge in an uncertain market. Here's how to find them.
-
Tapping Your 401(k) at 55 Isn't the Great Plan You Think it Is. Here's Why
It's tempting to dip into your 401(k) at 55. But beware — you may rue that decision later. Here's what to do instead.
-
Four Tips for Mastering a Financial Security Mindset
This financial professional's mom helped him learn that financial security is more than making money — it's about cultivating a mindset that will help you stick to an investment plan even when times get tough.
-
How to Cancel a Check
If you need to cancel a check you've written, here's how you do it.
-
Four Ways to Use Your Tax Return as a Financial Planning Tool
Rather than filing away your paperwork and forgetting about it, this CPA recommends using it as a source of insight to optimize your long-term financial strategy.
-
How to Get Your Finances Back on Track After a Divorce
Taking charge of your money after a divorce will feel daunting, especially when you're faced with a lower income. The key is tackling your to-do list in stages.
-
Six Ways to Use AI to Improve Your Financial Life
While they can't replace human advisers, AI-based tools can take some of the guesswork out of financial tasks — from budgeting to filing taxes and investing.
-
REAL ID Alternatives to Fly Domestically
Alternative forms of ID to use at airports if you didn't get a REAL ID in time for the May 7 deadline.
-
What Is Term Life Insurance?
Term life insurance offers affordable coverage for a set period — here’s how it works and when it makes sense to buy a policy.
-
21 Countries the US Says You Shouldn't Travel To Right Now
Planning a trip abroad? The U.S. State Department advises Americans to avoid these 21 countries due to war, terrorism, and wrongful detention. Check the list before you book.