Some auto insurance companies offer discounts if drivers report that they where their seat belts every time they get in the vehicle. However, if someone who has a seat belt premium discount is found to not be wearing a seat belt at the time of an accident, the discount will be taken away, and the driver’s insurance premium will likely increase sharply. Sometimes premium discounts will be automatically applied to drivers of newer cars that come with automatic seat belts and airbags.
Every state has different laws about whether or not a seat belt violation (for the driver or passengers) will effect a driving record. And, whether or not an insurance premium will rise because of a seat belt violation will depend on the state laws, the specific insurance carrier, and the driver’s individual policy and driving record.