Can road rage impact your car insurance?

Road rage is violent or aggressive behavior while driving and can be caused by frustration or stress in difficult driving situations or conditions. Everyone loses their cool occasionally while driving, but becoming angry or frustrated with another driver won't impact your cost for insurance. However, if your road rage results in a traffic violation or accident, your auto insurance rate could be affected.

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What's the difference between aggressive driving and road rage?

The National Highway Traffic Safety Administration defines aggressive driving as “the operation of a motor vehicle in a manner that endangers or is likely to endanger persons or property.” Road rage can be defined simply and more broadly: drivers exhibiting angry behavior. Although aggressive driving and road rage can go hand in hand, they don’t have to. While aggressive tendencies on the road can lead to a traffic violation and a citation for reckless driving, road rage may not have been the cause.

How can erratic driving affect insurance rates?

Driving erratically can affect your rate if you use an app or device from your insurer that monitors your driving habits. Braking hard or quickly accelerating are a couple of examples that may have an impact when using those programs. Also, driving erratically may lead to a higher number of traffic violations and accidents while on the road. If you've racked up multiple driving citations, you could be considered more of a risk on the road by your insurer and be issued a court-ordered SR-22, which may have an impact on your policy. Moreover, having multiple reckless driving violations within a certain time frame may cause an insurance company to cancel your coverage entirely.

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