How Illegal U-Turns Impact Car Insurance 

It may not seem like a big deal when you do an illegal U-turn, but the impact it has on your insurance is pretty significant. Illegal U-turns and insurance correlate in the same way that your driving record and insurance do. But what does that mean? 

Your driving record can determine whether you get cheaper rates or you get higher rates. And in the same way, illegal U-turns also affect the cost of your insurance.  

Let’s look into detail about what counts as an illegal U-turn, the price of unlawful turnarounds on your driving record, and how that ultimately influences the monthly payments of your insurance. We’ll also go over ways to have a spotless record and be a good driver.

What is an illegal U-turn?

It may not seem clear how one goes about making an illegal U-turn, but there are many ways to do them. One way is to ignore the road sign that says “No U-Turns.” Another is trying to turn around in a one-way street. Even if you try to do a U-turn at a railroad crossing, that is against the law. 

Other ways of making an illegal U-turn include pulling into a fire station driveway to turn around and trying to make a U-turn on a divided highway. Not many would think to cross over the median and make an illegal U-turn that way, but it is possible. 

Whether you drive a car, a van, a truck, a motorcycle, or an electric motorbike, making a U-turn in a place you know you shouldn’t is illegal. Doing this can quickly put people in danger and negatively affect your driving record. You should avoid doing this as much as you can.

How does an illegal U-turn affect my driving record?

First, what is a driving record? Your driving record shows your history as a driver. When you do anything against the law, it is recorded on your driving record for up to 10 years. 

Illegal U-turns are Class A traffic violations in most states. When you commit an illegal U-turn, you can get a fine that costs between $15 and $100. You also get between two to three points added to your license and may have to pay for court fees in addition to the fine. 

If you rack up enough points, your license will be revoked. If this happens, you will have to get your license reinstated and prove that you have liability insurance. In the worst-case scenario, you would have to redo the whole process of getting your license.

Depending on the state you’re in, the penalties for committing an illegal U-turn are more severe. In some states, like Nevada, illegal U-turns are considered speeding violations, and the driver can face $1,000 in fines, community service, and even some time in prison. 

On the other hand, states like New York don’t penalize as heavily as Nevada. In New York, you end up with two points on your license as opposed to three points. 

It’s serious business when you accumulate points on your license. Not only is your driving record affected, but the price of insurance increases as well.

How does an illegal U-turn affect my insurance rates?

Insurance is important and required if you plan on driving. What exactly is insurance? Car insurance is an agreement between an insurer and insured whereby the insurer provides compensation for any future losses to the insured. 

Your driving record will determine whether your insurance will be pretty cheap or relatively expensive. When you have a poor record and multiple violations, your insurance will be more costly.

As stated above, it may not seem like a big deal to make an illegal U-turn, but the impact on your insurance can gradually increase. Insurance rates can increase by as much as 24% if you cause an accident. That’s a big jump.

You want to make sure that you keep your driving record as clean as you can. If having a poor record increases insurance, you can be sure that having a spotless record decreases insurance costs. 

How to Keep a Spotless Driving Record

Keeping a spotless record isn’t as hard as it sounds. All you have to do is be a diligent driver, follow traffic laws, and be a defensive driver. Below, we will go over three ways to keep a perfect driving record. All of these might seem obvious, but it’s good to be reminded of them. 

#1 – Be a Diligent Driver

To be diligent means having or showing care and conscientiousness. It means being an active driver rather than a lazy one. Once you start to get comfortable driving, that’s when accidents happen. Diligence helps you be alert and ready for whatever might happen. 

Be wary of your blind spots as well, especially if you drive a larger vehicle like a Dodge Ram 2500 or a Ford F-150. Oversized vehicles have more prominent blind spots. 

#2 – Follow Traffic Laws

This is pretty self-explanatory but can be necessary to review. Make sure you know and are obeying the rules of the road. When you do that, you protect yourself and the people around you. The law was created to keep drivers safe. You must abide by them. 

#3 – Be a Defensive Driver 

Being a defensive driver helps you to be diligent and aware of your surroundings. Unlike offensive driving, defensive driving doesn’t engage in tailgating, excessive honking, and intimidating other drivers. That kind of behavior will not get you a spotless record. 


It’s important to drive responsibly and choose to abide by the law. It might be a good idea to do some research and figure out which states are heavily penalizing those that commit violations like illegal U-turns. 

Follow the Law About U-Turns

The price of illegal U-turns while driving in the United States isn’t as high as other traffic violations; however, you will see consequences over time if you keep breaking the law. 

Remember that illegal U-turns not only affect your driving record, but they also affect your insurance rates.

Choose to obey the law, not break it. Be diligent and defensive. Be aware of the regulations of the state that you’re driving in, so you can make good choices behind the wheel. Don’t engage in malicious behavior on the road. Remember that driving is not a right. It is a privilege. Drive safely and responsibly.