Do Red Light Tickets Affect Insurance in Florida?: 1 Minute to Understand the Impact of Red Light Tickets on Your Insurance Rates

Getting a red light ticket in Florida is both frustrating and potentially costly. Many drivers are concerned about whether receiving such a ticket will impact their car insurance rates. Under Florida law, there are two main types of red light tickets: those issued by police officers (uniform traffic citations) and those captured by red light cameras (Notice of Violation). The impact on your driving record and insurance depends on which type you receive.

If a police officer pulls you over and gives you a red light ticket, it is considered a moving violation. This means the infraction will go on your driving record, and your insurance company will likely be notified during their regular record checks. As a result, your premiums could increase—sometimes significantly—depending on your driving history and your insurer’s policies.

However, if you get a red light camera ticket, Florida law treats this as a non-criminal infraction (comparable to a parking ticket). These violations do not add points to your driver’s license and are not reported to your insurance company. Therefore, camera-issued red light tickets typically do not affect your insurance rates in Florida.

As a designer, I often remind clients that minor traffic violations—like design oversights—are manageable if addressed promptly. Structuring your home documentation, such as storing red light ticket notices or insurance policy paperwork in a well-organized entryway filing system, can help you stay on top of deadlines and required actions. Smart space planning in your home office can support a clutter-free, efficient response to any unexpected life incidents, including traffic tickets. In fact, investing in a well-organized workspace layout can help you manage all your important documents with ease.

Tips 1:

To keep your insurance rates low, respond promptly to any tickets—especially those that could impact your driving record. For moving violations, consider contesting the ticket or taking a safe driving course if eligible. Always stay organized: keep digital and paper records in a central place to quickly provide documentation if needed.

FAQ

Q: Do all red light tickets in Florida affect my insurance?

A: No. Only those issued by a police officer as moving violations will typically affect your insurance; camera tickets generally do not.

Q: Will points be added to my license for a camera red light ticket?

A: No, camera-issued red light tickets do not add points to your license in Florida.

Q: Can my insurance company see camera-issued red light tickets?

A: No, these violations are not reported to insurance companies.

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

A: Unpaid tickets may lead to additional fines or collection actions, but still won’t affect your insurance directly.

Q: Will a police-issued red light ticket always raise my rates?

A: Often, but not always—it depends on your insurer and overall driving record.