How much will that traffic ticket really cost?

It’s one of life’s great mysteries: How much is that traffic ticket going to cost?

Not the fine itself, but the almost inevitable bump in your insurance rate that will follow.

Call your insurance company with a “what if” scenario, and they’ll probably tell you that they won’t know until it actually happens. (I can personally confirm this.)

Well, online marketplace Insurance.com has a little more pull and it surveyed six top carriers to figure out the average increase 18 different violations would bring to the driver of a 2017 Honda Accord LX with typical coverage.

It’s no surprise that drunk driving as the worst impact, causing a 79 percent increase, but reckless driving and street racing weren’t far behind at 73 percent and 71 percent. Things drop off quickly after that, with a 30 mph over speeding ticket netting just a 30 percent increase.

Interestingly, getting caught driving without insurance only increases premiums by 10 percent, while failing to use a seatbelt barely moves the needle, just 3 percent.

The range can vary dramatically, however. For example: The lowest rate for a driver with a 16-29 mph over speeding ticket on their record would pay $1,449 at Geico and $2,239 at Allstate, so it pays to shop around.

The full list follows to scare you straight:

DUI/DWI first offense    79%

Reckless driving 73%

Operating a vehicle in a race (highway racing)     71%

Speeding 30+ over limit 30%

Careless driving 26%

Texting-while-driving     23%

Distracted driving             22%

Speeding 16-29 MPH over limit  22%

Improper/illegal pass      20%

Speeding 1-15 MPH over limit     20%

Following too closely      20%

Improper turn   20%

Failure to yield  20%

Failure to stop   19%

Talking on cell phone     16%

Driving without a license or permit           12%

Driving without insurance            10%

Seat belt infraction          3%

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