I had one ticket, got a second one, and my rates went from $115/mo to $324/mo. That was a decade ago.
I called them a month ago again for rates and they wouldn't even cover me although I have one ticket on my record in the last three years since they go back five. They tried to stick me with Progressive, who wanted almost $400/mo.
I now pay $160/mo for Tina and I through GMAC. Again, fuck USAA. Serving our military my ass.