Top 10 cars that are ticket magnets

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Cars don’t get tickets. Drivers do. But lead-footed drivers like certain cars a lot.

Here are the top 10 ticket-getters, based on an analysis of more than 550,000 car insurance quotes delivered through Insurance.com. Most of the tickets were for speeding, but all types of violations were included in the rankings.

One in three drivers of the Subaru WRX reported a recent traffic violation. For all models, the average was 19.9 percent.

Unlike accident claims, which ultimately drive up rates for everyone insuring that particular model of car, tickets jack up the premium for only the driver involved – but those penalties can be huge.

Every insurance company looks at cars, drivers and violations based on its own experiences, and their rates reflect huge differences of opinion. One company might charge a WRX driver with a speeding ticket less than another company might charge the same driver with a clean record.

We ran sample rates for each of the top ticket magnets, looking at a wide variety of traffic violations. Our driver is 25 and lives in California. We compared quotes on full coverage for cars newer than 2004 and got liability-only quotes for older ones. Yours will differ depending on your ZIP code, driving record, age and model of car; the only way to know for sure how much your rates will rise after a ticket is to compare insurance quotes for yourself.

10. Mazda2

28.1% of drivers report violations
Sample of ticket impact on insurance for: Racing

2014 Mazda Mazda2, 50/100/50 liability, $500 deductible for comprehensive and collision
Range of quotes with no violations: $2,310 to $3,408
Range of quotes with conviction for racing: $3,454 to $4,322

9: Toyota FJ Cruiser

28.4% of drivers report violations
Sample of ticket impact on insurance for: Speeding in a school zone

2010 Toyota FJ Cruiser, 50/100/50 liability, $500 deductible on comprehensive and collision
Range of quotes with no violations: $1,742 to $2,576
Range of quotes with conviction for speeding in school zone: $2,584 to $3,406

8: Scion TC

28.8% of drivers report violations
Sample of ticket impact on insurance for: Speeding in excess of 100 mph

2012 Scion TC, 50/100/50 liability, $500 deductible on comprehensive and collision
Range of quotes with no violations: $2,482 to $3,850
Range of quotes with conviction for speeding in excess of 100 mph: $3,060 to $4,804

7: Mercury Topaz

28.8% of drivers report violations
Sample of ticket impact on insurance for: Failure to yield

1991 Mercury Topaz XR5, 50/100/50 liability only
Range of quotes with no violations: $654 to $1,210
Range of quotes with conviction for failure to yield: $878 to $1,700