Final answer:
Drivers typically receive an insurance surcharge for infractions like breath test non-compliance, DUI, and liability insurance non-compliance, as these increase perceived risk by insurance companies.
Step-by-step explanation:
The three infractions that typically cause a driver to be penalized with an insurance surcharge are breath test non-compliance, DUI (Driving Under the Influence), and liability insurance non-compliance. Insurance companies assess surcharges based on the risk presented by the driver, and these infractions significantly increase that risk. Breath test non-compliance is seen as an attempt to evade law enforcement's effort to check for impairment, a DUI conviction indicates a lawful determination of impairment while driving, and liability insurance non-compliance is a failure to carry legally required insurance coverage.