Moving Violation Insurance
Moving violation insurance, explained — the plan that pays your fines instead of raising your rate.
People call it “ticket insurance.” Technically, it's a Citation Protection Plan™ — and here's the difference, plus why it protects your wallet the same way.
Important: This is not insurance
TicketGuard USA is not an insurance company and the Citation Protection Plan™ is not an insurance product. It is a subscription membership that pays eligible parking, traffic, and speeding ticket fines up to plan limits. “Ticket insurance” and similar phrases are used on this page only because they are the terms drivers commonly search for when they mean this kind of protection.
A moving violation is the costliest kind of ticket because it hits twice — the fine, then the insurance surcharge. Here's what “moving violation insurance” really is and how to get protected.
Compare your options: read Auto Ticket Insurance and Traffic Ticket Insurance, or see exactly how the Citation Protection Plan pays your eligible fines directly.
Is There Moving Violation Insurance?
No traditional insurer sells a policy that pays your moving violations — quite the opposite, a moving violation is what makes your auto insurance go up. The Citation Protection Plan™ is the real-world answer: a membership that pays your eligible moving violation fines for a flat monthly price.
It won't stop points from being assessed, but it does take the financial sting out of the fine itself — which is what most drivers are actually looking for.
The Double Cost of a Moving Violation
The numbers are why drivers look for this in the first place. Americans are issued an estimated 40 million traffic tickets every year and pay more than $5.4 billion in fines. The average speeding ticket is about $150 for the fine alone, and roughly 95% of ticketed drivers simply pay rather than fight it. Worse, a single moving violation typically raises your auto insurance premium by 22% to 36% -- often $600 or more over the following year.
That second cost — the insurance hike — is why a single moving violation can quietly cost far more than the ticket on the envelope. A protection plan can't erase the surcharge, but it removes the fine from the equation and makes the total hit smaller and predictable.
Getting Covered
Choose Standard ($19.99/month) or Premium ($29.99/month), both with a 30-day free trial. Keep your membership active and submit eligible moving violation citations through your account; once approved, we pay the fine directly.
What the Citation Protection Plan™ Covers
- Parking ticket fines
- Traffic citation fines
- Speeding ticket fines
- Campus & metered parking violations
Get Protected Today
30-day free trial. Cancel anytime. Use promo code STREETZ for 30 days free.
- Pay nothing up front! 30 Days Free (Limited Time Offer)
- Parking tickets (metered fines only) coverage up to $35
- Parking boots (boot removal fee only) coverage up to $50
- Seatbelt violation (adult) coverage up to $15
- No Driver's License on Person coverage up to $25
- Red Light Camera violation (camera issued only) coverage up to $50
- Failure to Stop at Stop Sign coverage up to $50
- Texting While Driving (standard) coverage up to $50
- Failure to Use Turn Signal coverage up to $50
- Failure to Obey Traffic Light coverage up to $50
- Improper Lane Change coverage up to $50
- Speeding (6-10 mph over posted limit) coverage up to $75
- Toll Violation (initial toll fee only) coverage up to $7
- No other citation offenses covered.
- Pay nothing up front! 30 Days Free (Limited Time Offer)
- Parking tickets (metered fines only) coverage up to $45
- Improper Parking coverage up to $75
- Illegal Parking coverage up to $75
- Parking boots (boot removal fee only) coverage up to $65
- Seatbelt violation (adult) coverage up to $35
- No Driver's License on Person coverage up to $25
- Red Light Camera violation (camera issued only) coverage up to $75
- Failure to Stop at Stop Sign coverage up to $65
- Texting While Driving (standard) coverage up to $65
- Failure to Use Turn Signal coverage up to $65
- Illegal Turn coverage up to $75
- Failure to Obey Traffic Light coverage up to $75
- Improper Lane Change coverage up to $75
- Speeding (6-10 mph over posted limit) coverage up to $75
- Speeding (11-14 mph over posted limit) coverage up to $100
- Speeding (15-18 mph over posted limit) coverage up to $150
- Speed camera violation (excludes school speed zone cameras) coverage up to $75
- Cruising (excluding street racing) coverage up to $75
- Following to Closely coverage up to $75
- Toll Violation (initial toll fee only, no additional costs or fees) coverage up to $17
- No other citation offenses covered.
Moving Violation Insurance FAQs
Not traditional insurance. The Citation Protection Plan™ is the practical equivalent — a subscription that pays your eligible moving violation, speeding, and traffic fines for a flat monthly fee.
No — points and surcharges are set by the state and your insurer. The plan covers the fine itself, turning an unpredictable expense into one flat monthly cost.
The fine averages around $150, but a single moving violation typically raises insurance 22% to 36% — often $600 or more over the following year on top of the ticket.
Stop paying for tickets out of pocket
Join TicketGuard USA and let the Citation Protection Plan™ cover your next eligible citation.
Related Ticket Protection Guides
Ticket Protection Near You
TicketGuard USA is not an insurance company and the Citation Protection Plan™ is not an insurance product. It is a subscription membership that pays eligible parking, traffic, and speeding ticket fines up to plan limits. “Ticket insurance” and similar phrases are used on this page only because they are the terms drivers commonly search for when they mean this kind of protection.