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Will Seat Belt Violation Increase Teen Driver Insurance Rate

Reader's Question:

Im a minor and I want to know if the seat belt violation will increase my auto insurance rate.

Henry in Illinois

Good question Henry.

A seat belt ticket violation that is placed on your MVR, is considered minor by most insurance providers but may still increase the auto insurance rates of a teenager which depends upon the rating system of the insurance company.The teen or his/her parents may inquire with the insurance company on how the rating system works.

To get more information in Illinois' safety belt ticket, it is likely that the teen was cited for a violation of the IL Seat Belt Act, Illinois Vehicle Code 12-603.1. This is is non-point offense. The seat belt in law Illinois states that all front seat occupants are required to be protected by a safety belt or safety restraint system, regardless of age. Passengers under age 16 regardless of location in the vehicle must be protected by a safety belt or restraint system.

It is also noted that during the first 6 months of a teen within the graduated licensing process or until they reach the age of 18, are limited to only one passenger under the age of 20 (except immediate family which includes siblings or children of the driver). All passengers under age 19 (changed from 18 as of January 2006), with a driver under age 18, regardless of location in the vehicle must be belted.

Goodluck!

MariCAR

Will Seat Belt Violation Increase Teen Driver Insurance Rate