Do Red Light Tickets Affect Insurance in California?: 1 Minute to Understand How Traffic Violations Impact Your Rates

In California, getting a red light ticket can have several consequences, and one of the most common concerns for drivers is whether it will impact their car insurance rates. Generally, receiving a red light ticket in California is considered a moving violation. As such, it does get reported to the Department of Motor Vehicles (DMV). When your insurance company reviews your driving record—typically at renewal periods—they may see this violation and consider you a higher risk, potentially leading to increased premiums. On average, a red light ticket can raise your rates by hundreds of dollars per year, lasting up to three years on your record.

However, there are ways to potentially minimize this impact. Attending traffic school, if eligible, can help keep the point off your record, meaning insurance companies are less likely to see the violation. Some insurance providers also treat the first minor violation less harshly, but repeated offenses can significantly escalate your rates. It’s important to review your insurance company's specific policy or speak directly to your agent for details.

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Tips 1:

If you’ve received a red light ticket, check if you qualify for traffic school to mask the violation on your public record. This can substantially reduce the likelihood of an insurance rate increase. Also, review your insurance policy or speak directly with your agent to understand how your provider handles such violations.

FAQ

Q: How long does a red light ticket stay on my record in California?

A: Typically, a red light ticket remains on your driving record for three years.

Q: Can attending traffic school prevent my insurance from increasing?

A: Yes, if you’re eligible and complete traffic school, the violation will not appear as a point on your record for insurance purposes.

Q: Will all insurance companies increase my rates after a red light ticket?

A: Not always. Some companies offer first-time forgiveness, but repeated violations almost always result in higher premiums.

Q: What if I ignore a red light ticket in California?

A: Ignoring the ticket can lead to additional penalties, such as increased fines, a hold on your driver’s license, and possible arrest warrants.

Q: Does a red light camera ticket differ from an officer-issued ticket regarding insurance?

A: Both are reported to the DMV and can affect your insurance in the same way, provided the violation is recorded on your driving record.