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Which traffic tickets raise your insurance rates the most?

Tuesday - 5/14/2013, 5:30am  ET

Beltway outer loop accident (WTOP/Finn Neilsen)
Reckless driving is the violation that will raise your insurance rates the most. (WTOP/Finn Neilsen)

WASHINGTON - There's a certain sense of horror when you see the familiar flash of red and blue lights in your rear-view mirror.

When everything is said and done and you have a ticket in hand, there's another horror to realize: Your insurance might go up.

Insurance.com analyzed more than 490,000 auto insurance quotes and found the average increase in insurance costs for the 14 most common violations.

Generally speaking, here are the most common violations and how much on average you can expect your rates to rise:

  1. Reckless driving: 22 percent

  2. DUI first offense: 19 percent

  3. Driving without a license or permit: 18 percent

  4. Careless driving: 16 percent

  5. Speeding 30 mph over the limit: 15 percent

  6. Failure to stop: 15 percent

  7. Improper turn: 14 percent

  8. Improper passing: 14 percent

  9. Following too close/tailgating: 13 percent

  10. Speeding 15 to 29 mph over limit: 12 percent

  11. Speeding 1 to 14 mph over limit: 11 percent

  12. Failure to yield: 9 percent

  13. No car insurance: 6 percent

  14. Seat belt infractions: 3 percent

Insurance.com has an interactive tool it calls the "Uh-oh Calulator" that provides more specific numbers based on age and where you live.

h/t MSN Money: 14 tickets that can raise your rates

WTOP's Veronica Robinson contributed to this report. Follow @VRobWTOP and @WTOP on Twitter.

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