To be sure, Adams said there are certainly cases in which a speeding ticket or traffic accident citation have caused insurance premiums to spike. For example, those ticketed with reckless driving will see premiums increase an average of 83 percent, according to insuranceQuotes.com.
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But for a relatively minor moving violation, such as driving one to 15 miles above the speed limit, the average increase is 21 percent.
The penalties become much more severe for those who are caught driving under the influence, Adams said.
"With a DUI, the insurance companies will find out almost immediately because the states notify them," she said. "In those cases, the average insurance premium jumps 91 percent."
—With contributions from Mark Fahey.
Questions? Comments? BehindTheWheel@cnbc.com.