Do Red Light Cameras Affect Insurance Premiums?: 1 Minute to Understand How Traffic Cameras Impact Your Rates

Red light cameras are installed at intersections to catch drivers who run red lights, issuing automated tickets when violations occur. Whether or not red light camera tickets affect your car insurance premiums can depend on your location, as rules vary by state and insurance provider. In many parts of the United States, red light camera violations are classified as civil infractions rather than moving violations. This means the infraction is typically tied to the vehicle, not the driver, and the ticket may not appear on your driving record, which is what insurance companies primarily use to assess risk and adjust premiums.

However, in some regions, especially where red light camera tickets are treated similarly to speeding or reckless driving citations, the infraction may end up on your driving record. In those cases, insurance companies might increase your premium upon renewal because they view you as a higher risk. It's important to check your state's laws and consult your insurance policy to see how these tickets are handled in your area.

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Familiarize yourself with your state's specific red light camera laws so you fully understand their impact, especially regarding insurance and driving records. Being proactive can help you avoid unforeseen costs and complications.

FAQ

Q: Do all states treat red light camera tickets the same regarding insurance?

A: No, state laws vary—some treat them as non-moving violations, while others may add them to your driving record, potentially impacting insurance premiums.

Q: If my red light camera ticket doesn’t go on my record, can my insurance still go up?

A: Typically, if the ticket isn’t reported on your driving record, insurance companies won’t see it and won’t increase your rates.

Q: Will paying a red light camera ticket prevent it from affecting my insurance?

A: Paying the ticket resolves the fine, but its insurance impact depends on whether it’s reported to your record.

Q: How can I find out if my insurance premium increased due to a red light camera ticket?

A: Review your insurance policy or speak directly with your agent for clarification on recent changes.

Q: What should I do if I believe my insurance went up because of a red light camera ticket in error?

A: Contact your insurance company and dispute the charge, especially if your state doesn’t count these tickets as moving violations.