Does Running a Red Light Increase your Car Insurance Rates?
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- Will my rates increase?
- Avoiding higher insurance rates
- Why it is best to shop around
If you get caught running a red light, there is a good chance that your auto insurance rates will go up. Red light violations will usually count as two or more points against your license. The more points on your license, the more your car insurance rates are likely to increase.
The good news is that some insurance companies will treat traffic violations less seriously than others, so shopping around can help you save.
With that in mind, car insurance comparison shopping app Jerry has put together everything you need to know to find the best car insurance rates after a red light violation.
Will running a red light increase my insurance rates?
Probably, but there are exceptions. The more points on your record, the more your insurance rates are likely to increase.
Running a red light is generally considered a more serious traffic violation than things like parking or speeding tickets. Most states will deduct at least two points from your license for running a red.
Getting points on your license doesn’t necessarily mean that your insurance rates will increase, though. Some insurance companies treat red-light violations less seriously than others, and some providers will forgive first-time transgressions.
Using an intuitive insurance shopping app likeJerry will help ensure that you’re never paying more for your car insurance than you have to.
What if I get caught by a red light camera?
If you get caught by a red light camera, you may not face the same insurance increases you would if a police officer ticketed you. It all depends on the laws in place in the state where you get ticketed.
Plenty of states will let you off the hook with just a ticket if you’re caught speeding by a camera. In this case, the insurance company may choose to treat the ticket like a traffic violation—but they may not. If state laws work in your favor and your insurance company lets you off the hook, you might not have to pay more for your insurance.
What if I don’t have other violations on my record?
Many insurance providers will forgive your first-time offense as long as you have no other serious violations on your record.
Most insurance companies will also reward drivers for maintaining a clean driving record. Some offer accident forgiveness programs that essentially ignore your first at-fault accident so it won’t raise your insurance premium.
Key Takeaway If you’re ticketed by a police officer for running a red, your insurance premiums will likely increase. If you’re caught by a red light camera, you might get off with a ticket that won’t affect your rates.
How to avoid higher insurance prices
If you have violations on your driving record, you still have options to help minimize the negative impact on your insurance premiums.
Wait three–five years
Even if you can’t get the points removed, they won’t stay on your record forever. While it varies by provider, most violations are ignored by insurance companies after three to five years.
Fight the ticket
You always have the right to contest a traffic ticket. If you decide to fight your ticket, the case could be thrown out. Alternatively, a judge may choose to reduce your fine or take fewer points off your license.
Note that if you lose, you’ll end up paying more to go to court.
Take a traffic course
Many states reward drivers who complete an approved driving course by removing two to four points from their driving record. Be sure to check in with your state requirements before you enroll.
Some insurance companies consider red-light violations minor offenses while others consider them major offenses. Drivers with major offenses are considered higher risk and therefore pay higher premiums.
Here are the average annual insurance premiums for drivers with violations on their record:
|Violation||Without Jerry||With Jerry|
That’s not the only way that insurance rates vary between providers, though. Some companies put less weight on driving history when calculating your premiums. Others might ignore your violation if it was your first offense.
If you’re looking for an easy way to compare insurance quotes, download the comparison shopping and broker app Jerry. Jerry is free to use and will generate competitive quotes from the top insurance providers in less than a minute.
Why shopping around for insurance pays off
If you don’t want to be paying more for your insurance than you have to, shopping around almost always pays off. Traffic violations or not, no two insurance companies calculate their rates using the same formula. If you aren’t comparing rates, you’re probably missing out on opportunities to save.
Using a free insurance comparison app like Jerry will make your life easier.
Hesitant to switch plans or insurance providers because you’re worried about the work involved? Don’t be! Jerry does all the paperwork for you.
You’ll never have to print out anything, go to the post office, or get on the phone. Jerry even contacts your insurance company to get the details of your current coverage, so you don’t have to scale a mountain of questions.
You get all the best prices and coverage with none of the legwork. Jerry handles it all. Our amazing customer reviews say it all.
“Amazing service & great savings! When I started the process of Jerry through the app, I was a little skeptical as the deals and savings looked too good to be true. I was quickly proven wrong. I saved over $500 just by switching and got a much higher coverage. The customer service was amazing, and I did it all through the app and text message, so it was hassle-free and easy to use. I will definitely be recommending Jerry to everyone who is looking to get cheaper insurance.”- Satisfied Jerry User
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