While it varies from company to company, speeding tickets and other moving violations will always increase your insurance rate. The exact amount is dependent upon the severity of the violation. A minor speeding ticket of 15 mph above the speed limit or less is treated with the least of penalties increasing your annual costs by as little as a few dollars. Being pulled over for reckless driving and sometimes result in annual increases as much as several hundred dollars. DUIs and crashes have by far the most severe consequences resulting in drastic increases to your rates. Whenever a violation penalty is applied to your premium, the company also takes into account your past driving record.