When the violation involves reckless driving or, God forbid, DUI, things get stickier.

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Drivers who bought a one-car, single-driver policy last year and had one violation in their driving history paid an average of 18 percent more for car insurance than drivers with no violations.

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Two days later, Mary Kennedy was arrested for driving while intoxicated, but the charge was later reduced to a violation, the criminal charge was dismissed and her driver's license was suspended for 90 days, Lawrence said.

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The judge imposed 10 days in jail for the drunken driving offense, 10 days for the suspended license conviction and 35 days for the probation violation, according to Mateljan.

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