Parking tickets, in themselves, won’t affect your car insurance your premium, but failing to pay your tickets for a long time can come back to jack up your monthly premium.
As previously discussed in why auto insurance policies only last for 6 months, Carriers will decide what their policy will cost almost entirely on risk. In the carriers’ eyes, stuff like driving drunk, speeding and reckless driving count as risky behavior; parking tickets, however, don’t really pose a danger to other drivers, and therefore aren’t a concern of the insurance industry. This means that your insurance provider won’t pay for your parking tickets.
However, it is important that you pay these tickets on time, lest they spiral out of control until it reaches the level of influencing your insurance rate.
For example, many municipalities say that your vehicle registration can be revoked if tickets aren’t paid within a certain block of time. Getting a registration reinstated can be extremely expensive, so the extent that you may not be able to pay for it. Furthermore, getting pulled over with no vehicle registration will undoubtedly affect your car insurance rates. Negatively. One of the worst cases would be getting pulled over for driving drunk with a suspended registration. Ouch!
If your carrier has given you high rates based on parking violations, look around for a better deal. Most providers simply aren’t concerned with non-moving violations (which encompass parking tickets).
However, if you are locked into a policy, take care to pay off your tickets in a timely manner. Delinquency/failure to pay parking violations, as minor offenses as they are, may ultimately leak over as a factor used by carriers to determine your rate, forcing you to pay more for your insurance.