The biggest increases are for DUI violations (premiums up 93 percent) and reckless driving tickets (premiums rise 82 percent).
"A reckless driving ticket means you are more likely to file a claim in the eyes of the insurance company," said Adams.
Violations and Premium Increases
Reckless driving (+82%)
31+ MPH over speed limit (+30%)
16-30 MPH over speed limit (+28%)
Careless driving (+27%)
Driving wrong way (+22%)
1-15 MPH over speed limit (+21%)
Improper pass (+21%)
Following too close (+19%)
Failure to stop (+19%)
****Averages based on a 45-year-old married woman who is employed with a clean driving record. The car in the calculations is a 2012 sedan*****
The Points Game
Adams believes drivers often forget that tickets linger on their records for up to three years.
"A lot of people get a ticket and they say, 'well, I'll just let it go,'" she said.
Insurance companies designate points for various driving tickets: the more points on your record, the higher your monthly premium.
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However, Adams says many people don't realize they can remove some or all of the points from a ticket by attending driver education and safety classes.
"If you get a ticket, do whatever you can to erase your points," said Adams. "If you do that, you'll be viewed as a safer driver."
—By CNBC's Phil LeBeau. Follow him on Twitter
Questions? Comments? BehindTheWheel@cnbc.com.