Going through a red light usually comes with a penalty of 2 or 3 points and a fine. Typically if a car enters an intersection after the light has turned red and is caught by a red light camera the citation will go to the owner of the car and not on the operator's driving record. In many states the cost of this type of ticket is $75 but in some area the fine can be as high as $350.

Insurance companies differ in the way in which they determine rate increases. Running a red light and speeding are both moving violations and both are likely to cause points to be added to your driver's license. Your Motor Vehicle Record (MVR) is taken into consideration by insurance companies when you start a new policy or renew an existing one, so points on there could indeed cause your rates to rise.

Insurance companies must advise your state's insurance regulatory body of why and how they increase rate.