Your insurance will go up after a ticket, but only if you never get it "cleared" from you DMV record. I'm sure it varies from state to state, but in CA you pay your ticket, then you go to traffic school, and upon completion, the ticket is cleared, and no insurance hike. Only one ticket can be cleared per year(might be longer, can't remember). Again, this probably varies from state to state. I'm fairly certain that this applies even when someone else is driving your car too. Your car is your responsibility, is how the insurance companies see it.
I've only gotten one ticket so far(amazingly). This was in '05. It was around 3:30pm, I was driving past a high school, and there was a motorcycle revenue monkey peeking around the fence with his little radar gun, and he had his bike tucked neatly away behind the fence in some bushes. I was cruising at 38mph, and he just walked out into the street, and motioned me to pull over. I did and he asked me if I knew the school zone speed limit, jammed radar gun reading in my face, and walked off to write me my ticket. So, despite no students being present, and school not being in session, I got my ticket for doing a homicidal 13mph over. lol Oh well. I've never gotten a ticket since(knock on wood) depsite my daily act of pure evil, speeding. I owe part of my ticket-less driving to my RD. Thanks Beltronics! Wish I had my RD back then!