Navigating Minor Conviction Coverage: Protecting Your Insurance Premium and Your Wallet

23 Feb 2024
Navigating Minor Conviction Coverage: Protecting Your Insurance Premium and Your Wallet

Getting pulled over for a minor traffic violation, like speeding or not signaling, might seem small in the moment. However, these incidents, classified as “minor convictions”, can significantly influence your car insurance premiums. Recognizing this, certain insurance providers have introduced “minor conviction protection” to protect drivers against potential rate hikes resulting from these small infractions.

Understanding Minor Convictions

So, what exactly falls under a minor conviction? These are neither “major convictions” (like distracted driving or failing to report an accident) nor “criminal convictions” (such as impaired driving or racing). Some common examples of minor convictions include:

  • Speeding tickets (up to a certain limit)
  • Not wearing a seatbelt
  • Ignoring stop signs
  • Tailgating
  • Driving without a valid license or proof of insurance
  • Taking a wrong turn on a one-way street
  • Blocking bike lanes
  • Having an expired vehicle inspection sticker

What is Minor Conviction Protection Coverage?

Minor conviction protection is an additional endorsement you can add to your car insurance policy. I essentially “forgives” your first minor conviction, meaning your insurance rate won’t increase because of that one incident. However, this is not a free pass; any subsequent minor convictions will affect your premium.

The Impact of Minor Convictions on Your Insurance: 

Insurance companies often view drivers with convictions as higher risk. As a result, even one minor conviction can lead to higher premiums. This can be frustrating for drivers who have an otherwise clean driving record. Minor Conviction Coverage helps mitigate this risk by ensuring your first minor conviction does not affect your insurance rates.

Benefits of Adding Minor Conviction Coverage:

  1.  Peace of Mind: Knowing that a small mistake won’t lead to a significant financial impact.
  2. Maintaining Affordable Rates: Helps keep your insurance premium stable.

Who Should Consider This Coverage?

This coverage is ideal for:

  • Drivers with a clean driving record.
  • Those who want to protect themselves from potential rate increases due to minor infractions.

How to Add Minor Conviction Coverage:

Adding this coverage to your policy is simple. However, it’s important to note that not all insurance providers offer this coverage, and qualifications may vary.

Don’t let a minor driving mistake raise your insurance rates. To find out if you can add Minor Conviction Coverage to your auto policy, contact The Standard Insurance. Our team is dedicated to helping you navigate your insurance options to ensure you’re protected on the road. Give us a call today, and let’s discuss how we can tailor your auto insurance to meet your specific needs and give you peace of mind behind the wheel.


Janis is a dedicated leader with over 30 years at The Standard. Janis's exceptional leadership and strategic thinking have been pivotal to The Standards success, making our workplace a thriving community. Her wealth of experience and strategic thinking have played a vital role in delivering an unparalleled service to our clients.

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