In every state, reckless driving is punishable by fines and possibly jail time and the suspension or revocation of your driver’s license. A reckless driving conviction can also lead to increased car insurance rates or your carrier nonrenewing your policy or dropping you as a policyholder altogether., An accident stays on your State Farm insurance record for 3 years. Specifically, State Farm will keep track of an accident for 3 years, though it could stay on your actual state driving record for longer depending on the details of the incident., Overall, a reckless driving conviction typically raises car insurance rates by 91% on average nationally. However, rate hikes range from just 40% to over 200% depending on your insurer, location, and driving history. How much reckless driving raises your insurance also varies significantly by state., Reckless driving is a very serious violation. If you get one, you’ll face dire legal consequences. You can also expect it to negatively impact your auto insurance, sometimes to the point of losing your policy with your current insurer. In this article: What is reckless driving? What Is Reckless Driving?, Once an infraction drops off your record, you may see lower insurance rates. Certain traffic violations and accidents can significantly increase your insurance premiums. A spotless driving history not only keeps your premiums low but also unlocks discounts and better policy options., Having traffic tickets, accidents or claims as well as having a serious traffic infraction—such as reckless driving or a DUI—can get you labeled as a high-risk driver. When auto insurers find.