Good day. As I know there are several types of auto insurance and there can be different prices, also it depends on your car. Talking about traffic fines I can say that the most common violations are for speeding, running a red light, not signaling, crossing the median, not using seat belt and so on. It is quite difficult to say how much I pay on average. By the way did you know that with help of https://njmcdirect.biz site you can pay your traffic violation tickets via internet? It is really comfortable and fast decision. I do this every month.