Does a red light ticket affect insurance?

January 8, 2024

I was pulled over for jumping a red light. Will my red light ticket affect my auto insurance rates?

Like any other road incident, red light violation (generally considered a more serious violation than a parking or speeding ticket) can increase your auto insurance rates, but it depends on the insurer and your driving record. 

Some insurers are more lenient towards minor incidents, whereas others consider running a red light violation serious enough to increase the driver’s insurance premium. But then again, statistically speaking, most insurers will not increase your premium because of a traffic light ticket.

Does a red light ticket affect insurance? 1

Oleksandr Rohovnin is a Content Marketer at and an expert contributor to CoverExplore. His passion is digital marketing, innovative technologies, tech industries, and – above all – distilling vast amounts of complex information into engrossing narratives anyone can relate to. At CoverExplore, Oleksandr stokes passion for auto insurance and the automotive industry in general in every story he curates.