Does running a red light increase auto insurance rates?

Running a red light can add anywhere from 2 to 4 points on your driving record. Auto insurance companies see this and will raise your rates accordingly.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 26, 2021

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Things to remember...

  • Driving through a red light usually results in points placed on your license in most states
  • In Florida, running a red light will net you 4 points on your license and your license will be suspended for 30 days if you accumulate 12 points on your license in a 12-month period
  • In Texas, running a red light will net you two points on your license

Unfortunately, if you are caught by the police and issued a ticket for running a red light, it is very likely that your auto insurance company will raise your premium.

Driving through a red light results in points placed on your license in most states; just how many points and what it means for you varies from state to state.

Some states, such as Florida, will put 4 points on your license for running a red light, and your license will be suspended for 30 days if you accumulate 12 points on your license in a 12-month period.

In Texas, running a red light or any other moving violation will net you two points on your license, and three points if the violation resulted in an accident.

See what insurance coverage is available in your state. Enter your zip code in the free box above and peruse several online auto insurance quotes now!

Do other traffic violations raise my auto insurance rates?

Besides running a red light, your insurance company will also raise your rates for failing to obey yield and stop signs.

Other serious offenses that will affect your auto insurance include:

Some traffic offenses that are subject to fines do not usually lead to increased insurance premiums. These include seatbelt violations (for adults, not children), distracted driving violations (such as talking on the phone), and parking violations.

If any of these lead to an accident or damages and you have to file an insurance claim, then it certainly will lead to a premium hike when your insurance comes up for renewal.


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Will the insurance company still raise my premium if I don’t have other accidents or violations on my record?

It’s best to call your insurance representative directly for specific information on your policy. It has become the norm among insurance providers to reward their clients who have had clean driving records for years.

Besides lower premiums for these good drivers, some companies offer Accident Forgiveness and may extend it to you even if your traffic violation didn’t result in an accident.

Violations such as running a red light or not stopping at a stop sign may seem like minor infractions, but they are the root cause of thousands of accidents–some fatal–each year.

Police departments take these traffic violations very seriously, and so does your insurance company.

More than 20 states now utilize traffic light cameras at high-risk intersections, so you may be caught driving through a red light even if you think nobody saw you.

The best advice if for you to slow down and stop on a yellow light and not run the risk of hurting yourself, hurting somebody else, and hurting your wallet.

Is there a way to get a traffic violation off of my record?

If you decide to contest a traffic ticket, you have the right to a court hearing. At that time, the judge may decide to reduce the number of points on your license from the violation or reduce the violation fee.

If the police officer who wrote the ticket fails to show up to the hearing, the case may be thrown out entirely.

On the other hand, if you lose you may end up paying more than if you had just mailed in your ticket and fine.

You can also remove some violations by enrolling in a defensive driving course and passing the class. Depending on your state, completing one of these driving classes will remove from 2 to 4 points from your license.

Some states require you to get permission from the court to take the class and remove points, so check that requirement before you enroll.

Be aware that each state also has a limit on how often you can take driving school to reduce the points on your record.

All violations eventually fall off your driving record when enough time has passed. Typically, three points are removed for every 12 months that go by.

During this time, and after your record has been wiped clean again, practice safe driving in order not to accrue new points on your license.

If you find that you need to find another insurance company, we can help with that. Enter your zip code into the box below and peruse the online auto insurance quotes from several providers for free!


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