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Most car insurance companies view a seat belt violation as a minor violation. Some charge for it, some don’t. Ask your agent or insurance company representative if they charge for a seat belt violation. Rarely does a police officer only give a single seat belt ticket; another violation usually accompanies that one. This infraction applies to adults.

Child safety seats are in a different category. All companies charge for an infraction where the child was not in a proper seat or booster. This type of ticket carries higher insurance rates. Sometimes insurance companies apply a major surcharge for child endangerment if you are caught with your child not correctly strapped in.