Rate Increases: In most cases, a red light ticket can lead to an increase in your auto insurance premiums. Insurance companies consider traffic violations, including red light violations, as indicators of risky driving behavior, and they may adjust your rates accordingly.
Surcharge: In addition to rate increases, some insurance companies may also apply a surcharge or extra fee for drivers who receive a red light ticket. This surcharge can typically range from $50 to $100 or more and can be added to your policy for a certain period, often from one to three years.
Length of Impact: The impact of a red light ticket on your insurance may vary depending on your insurance company and state's regulations. In some cases, the ticket may affect your rates only during the policy term in which you received the ticket, while in other instances, it can have a longer-term effect of multiple policy terms.
Length of Time: The surcharge and the increase in your premiums usually last for a specific period, which may range from three to five years. After this period, the violation will no longer affect your rates unless you commit additional traffic violations.
Suspension of License: In some states, multiple red light violations within a specified time can lead to driver's license suspension. This can have more significant consequences, including the potential for increased insurance costs after your license is reinstated.
Non-Renewal of Policy: In certain cases, if your record shows frequent traffic violations, your insurance company may decide not to renew your auto insurance policy. This can complicate your situation and make it challenging to find affordable coverage elsewhere.
To minimize the impact of a red light ticket on your auto insurance, it's important to try to avoid traffic violations, drive safely, and maintain a good driving record. If you do receive a ticket, you can also ask your insurance company about any options for defensive driving courses or other programs that may help reduce the negative consequences.
