Do Red Light Camera Tickets Affect Insurance?: 1 Minute to Understand Their Impact on Your Premiums

Red light camera tickets are issued when a vehicle is photographed running a red light at an intersection equipped with automated cameras. Whether these tickets affect your insurance depends on where you live and how your state handles such violations. In most parts of the United States, red light camera tickets are treated as civil infractions rather than moving violations. This means they typically do not add points to your driving record and, in many cases, do not get reported to your insurance company. However, in some states or cities, if you fail to pay the fine or if the camera ticket is considered a moving violation, it could show up on your record and potentially impact your insurance premiums.

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Check with your state’s Department of Motor Vehicles (DMV) or your insurance provider to confirm how red light camera tickets are handled in your area. Staying informed helps you avoid unnecessary surprises with your driving record and insurance premiums.

FAQ

Q: Do red light camera tickets go on your driving record?

A: In most states, red light camera tickets are considered civil violations and do not appear on your driving record, but you should check your local regulations.

Q: Will my insurance company know if I get a red light camera ticket?

A: Usually not, since these tickets typically aren't reported to insurers unless they become moving violations or go unpaid.

Q: What happens if I don’t pay a red light camera ticket?

A: Unpaid camera tickets can result in additional fines, holds on your vehicle registration, or even referral to collections, depending on local laws.

Q: Can red light camera tickets increase my insurance premiums?

A: In most cases, no. But if your state treats camera tickets as moving violations or reports them to insurers, your premiums could rise.

Q: How can I avoid getting red light camera tickets?

A: Practice cautious driving, obey traffic signals, and watch for clearly posted signs indicating camera-enforced intersections.