A minor traffic law violation like a parking ticket may or may not affect your insurance in Massachusetts, as insurance companies have their own policies regarding rate increases.
However, if your insurance provider uses the state’s Safe Driver Insurance Plan, your first parking ticket should not get you any surcharge points, meaning it won’t affect your insurance.
However, second and subsequent parking tickets will get you two surcharge points for each violation, which could raise rates by the following amounts:
- Experienced operators (actively licensed for at least six years): Each point is a 15 percent increase in compulsory coverages and collision coverage (optional).
- Inexperienced operators (actively licensed for less than six years): Each surcharge point is a 7.5 percent increase in compulsory coverages and collision coverage (optional).