Do Speed Camera Tickets Affect Your Insurance Rates?

Do speed camera tickets affect your insurance rates?

Have you ever wondered if getting a speed camera ticket will increase your insurance premiums?

If so, you are not alone.

Many drivers are concerned about the consequences of violating the speed limit and getting caught by a camera.

Speed cameras are devices that detect and record the speed of vehicles passing by.

They are usually installed in areas where speeding is a common problem, such as school zones, highways, or intersections.

The purpose of speed cameras is to deter drivers from speeding and reduce the risk of accidents and injuries.

But do speed camera tickets affect your insurance rates?

The answer is that it depends.

In this article, I will explain why, in most states, speed camera tickets don’t affect your insurance and what the exceptions are.

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Do speed camera tickets affect your insurance? Read this article to the end to find out (Image by wirestock on Freepik)

Why Speed Camera Tickets Don’t Affect Your Insurance in Most States

In most states, speed camera tickets are considered civil violations, not criminal offenses.

This means that they are not reported to the Department of Motor Vehicles (DMV) or added to your driving record.

Therefore, they do not affect your insurance rates.

The reason why speed camera tickets are treated as civil violations is that they are issued to the owner of the vehicle, not the driver.

The camera cannot identify who was behind the wheel at the time of the violation, only the license plate number.

So, the owner of the vehicle is held responsible for paying the fine, regardless of who was driving.

However, this also means that the owner of the vehicle cannot contest the ticket in court unless they can prove that the vehicle was stolen, sold, or rented at the time of the violation.

The only way to avoid paying the fine is to identify the actual driver and have them take responsibility for the ticket.

The Exceptions: Arizona and California

There are two states where speed camera tickets do affect your insurance rates: Arizona and California.

In these states, speed camera tickets are treated as criminal offenses, just like traditional speeding tickets.

They are reported to the DMV and added to your driving record, which can result in higher insurance premiums.

The reason why Arizona and California treat speed camera tickets differently is that they have stricter laws regarding speeding and traffic safety.

They also have more advanced technology that allows them to identify the driver of the vehicle, not just the license plate number.

For example, some cameras can capture a clear image of the driver’s face or require the driver to show their driver’s license before proceeding.

If you receive a speed camera ticket in Arizona or California, you have the option to challenge it in court, just like a regular speeding ticket.

However, you will need to have a strong defense and evidence to prove your innocence, such as a faulty camera, a medical emergency, or a mistaken identity.

The Difference Between Camera Tickets and Traditional Speeding Tickets

Even though speed camera tickets and traditional speeding tickets are both issued for violating the speed limit, they have some important differences.

The main difference is that speed camera tickets do not carry any demerit points, while traditional speeding tickets do.

Demerit points are penalties that are assigned to your driving record for various traffic violations.

The number of points depends on the severity of the violation and the state you live in.

For example, in New York, a speeding ticket can result in 3 to 11 points, depending on how much you exceed the speed limit.

If you accumulate too many points on your driving record, you may face serious consequences, such as a suspended or revoked license, higher insurance rates, or additional fees and surcharges.

For example, in New York, if you get 11 or more points in 18 months, your license may be suspended.

Speed camera tickets, on the other hand, do not affect your driving record or your license status.

They only require you to pay a fine, which is usually lower than a traditional speeding ticket.

For example, in New York, a speed camera ticket costs $50, while a traditional speeding ticket can cost up to $600.

How to Avoid Getting a Speed Camera Ticket

The best way to avoid getting a speed camera ticket is to obey the speed limit and drive safely.

However, if you want to be extra cautious, here are some tips on how to avoid getting caught by a camera:

  • Use a GPS or a smartphone app that alerts you to the location of speed cameras in your area. However, be aware that these devices may not be accurate or up-to-date, and that some states prohibit their use.
  • Pay attention to the signs that warn you of the presence of speed cameras. They are usually placed before the camera zone and indicate the speed limit and the penalty for violating it.
  • Slow down when you approach a camera zone, and maintain a steady speed until you pass it. Do not speed up or brake suddenly, as this may trigger the camera or cause an accident.
  • Check your speedometer regularly, and adjust your speed accordingly. Do not rely on your intuition or the flow of traffic, as you may be driving faster than you think.
  • Be aware of the time of day and the weather conditions. Some cameras operate only during certain hours, such as school hours or rush hours. Some cameras may not work properly in low-light or bad weather conditions, such as rain, fog, or snow.


In conclusion, speed camera tickets do not affect your insurance rates in most states, except for Arizona and California.

They are also different from traditional speeding tickets in terms of demerit points and driving records.

However, they are still a hassle and a cost that you can avoid by driving responsibly and following the speed limit.

We hope this article has answered your question and provided you with useful information.

If you have any comments or questions, please feel free to leave them below.

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