A red light camera ticket typically does not affect your car insurance rates because it’s considered a non-moving violation in most states, similar to a parking ticket. Since there’s no police officer to identify the driver, these tickets usually don’t add points to your driving record, which is what insurers primarily use to assess risk and set premiums. However, this can vary by location—some jurisdictions may treat red light camera violations more seriously or allow insurers access to those records. It’s important to check your state’s laws and your specific insurer’s policies. Even if your insurance isn’t directly affected, failing to pay the ticket can lead to additional fines, registration holds, or even collections, which could have other financial consequences. So while a single red light camera ticket is unlikely to raise your insurance, it’s still something you should take care of promptly to avoid indirect issues.