Does Running a Red Light Increase Your Insurance?: Find out the repercussions in just 1 Minute!Sarah ThompsonSep 08, 2025Table of ContentsTips 1:FAQTable of ContentsTips 1FAQFree Smart Home PlannerAI-Powered smart home design software 2025Home Design for FreeRunning a red light is a traffic violation that can have significant consequences beyond just a potential ticket. Most insurance companies view red light violations as a sign of risky driving behavior. That means, yes—getting caught running a red light can increase your car insurance rates. How much your premium rises depends on several factors: your state, your insurer’s policies, your overall driving record, and whether the ticket resulted in an accident or just a citation. Typically, after a red light ticket, your insurer will consider you a higher-risk driver, and you could see your rates increase at your next policy renewal. In some cases, this increase may last for three years or longer, as violations usually remain on your record for that amount of time.As a designer, I always advocate for clarity and order in both aesthetics and function. The same principle applies to traffic regulation: running a red light disrupts the order and safety of our roads—just like ignoring fundamental design principles can undermine the flow of a home. When you plan the layout of a space, it's about guiding movement, creating safe pathways, and maximizing efficiency. Similarly, obeying traffic signals is essential to keeping everything running smoothly. If you're interested in creating traffic flow and purposeful zones within your home—akin to the orderliness we seek on the road—you might find a Home Designer tool immensely useful for visualizing and optimizing your space.Tips 1:If you've received a red light ticket, consider checking if your state offers traffic school or defensive driving courses, which can sometimes help you avoid having points added to your record or may qualify you for insurance discounts in the future.FAQQ: How much will my insurance increase after running a red light?A: The increase varies, but it is typically between 10% and 20%, depending on your insurer and state.Q: Will a red light ticket always affect my insurance?A: Not always. Some insurance companies or states may not report camera-issued tickets to your insurance provider, but most moving violations do reach them.Q: How long does a red light ticket stay on my driving record?A: Most red light violations remain on your record for 3 years, though this can vary by state.Q: Can I fight a red light ticket?A: Yes, you can contest a red light ticket in court, especially if you believe the citation was issued in error.Q: Will my insurance go down if I maintain a clean record after a violation?A: Yes, over time, maintaining a clean driving record can help your insurance premiums decrease as the violation ages off your record.Home Design for FreePlease check with customer service before testing new feature.