Don't get busted for a moving violation in these states

If you get caught driving drunk in North Carolina or recklessly in Hawaii, your auto insurance rates are going to rise far more than those elsewhere around the U.S., according to a new study by insuranceQuotes.com.

Getting a moving violation no matter where you live will cost you, however. Drunken driving is the violation that will result in the sharpest hikes in insurance premiums.

"Most consumers are unaware of how much insurance rates go up even for a minor traffic violation, such as speeding a few MPH over the posted limit," Laura Adams, senior analyst at insuranceQuotes.com, said in a statement. "In many states, drivers can keep small speeding tickets and other minor infractions off their records by going to traffic school or taking a defensive driving course, up to a limited number of times."

The average rate hike for being busted for driving under the influence is 92 percent according to the personal finance site, which is part of Bankrate.com. But residents of states can face a much larger increase in their premiums following a moving violation.

In North Carolina, the typical increase is a whopping 337 percent, the study found. If you get charged with reckless driving in Hawaii, be prepared for a similar hike. Insurance rates there rose 287 percent for motorists hit with that charge. The national average, by comparison, is an 83 percent increase. On the low end, rates rose in Arkansas by 24 percent.

Speeding 31 or more miles an hour over the speed limit resulted in average increase nationally of 29 percent.

The violations that cost motorists the least on their insurance, along with the average rate hike:

• Failure to wear a seatbelt (6 percent)
• Diving without a license (16 percent)
• Violating railroad rules (18 percent)

Overall, the survey found that New Yorkers faced the consistently lowest insurance hikes following a violation.