Will running a red light make my car insurance premiums higher?
Will one ticket for running a red light make my insurance policy more expensive? I got my first ticket today, but I haven't had one in the 12 years I have been driving. My insurance is high enough as it is; will this ticket make it even higher?
“It is excellent that you have had such a clean driving record all these years! Sadly, even just one ticket will impact the rate of your policy.
The ticket won’t change the rate of your car insurance right away; it would be added on at the next policy renewal if your insurance carrier runs a new motor vehicle report. If they don’t, it may take a year before you see any premium change.
If your rate changes, contact your agent to make sure you are getting all of the discounts that you are eligible for and if any new ones can be added such as:
- Defensive driver discount
- Alumni and professional affiliations
- Low mileage discount
- Telematics discount
- Multi-line discount
If you are still unhappy with your insurance, it is time to shop for a cheaper insurance policy. The easiest way to re-shop a policy is by comparing multiple insurance companies simultaneously.
Try using the Jerry app to help make shopping easier! Jerry compares rates from the top providers and brings the lowest available rates right to the app on your phone for free.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Read advice from car experts at Jerry
Browse by topics
What others are asking
Will I get a ticket for an unregistered car parked in my driveway?
Can I get ticketed for having an unregistered car? I am working on fixing up an old Camaro and it is currently unregistered and doesn't have insurance. I am working on it in my driveway every weekend and it will be a while before it's roadworthy. Since it won't be going anywhere for awhile, would it need to be registered?
Aug 26, 2021
Will a fix-it ticket make my insurance go up?
I was issued a fix-it ticket for my muffler last week—will it make my insurance more expensive? I had the muffler fixed and paid the ticket on time.
Aug 26, 2021
How can I fight a stop sign violation?
Is it worth it to fight a ticket for running through a stop sign? A few days ago, a police officer pulled me over and said I ran the stop sign. I live on this street and drive it several times a day; I know stopped! I shouldn't have to pay for this ticket but I don't know if the court will believe me.
Aug 26, 2021