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No, camera speeding tickets do not affect insurance in most states. Usually, speeding is treated as a non-moving violation when it’s caught on camera, making it similar to a parking ticket. If the driver pays the fine, the ticket will not appear on their driving record and therefore won’t affect their insurance rates. Because it’s considered a non-moving violation, the fines will also be lower than a normal speeding ticket. Just be sure to pay the fine on time, as some cities block vehicle registration renewal until camera tickets are paid off.
In order for a camera speeding ticket to affect your insurance, it would have to put points on your license or be added to your driving record. Arizona, California and Oregon are currently the only states that treat camera tickets in the same way as regular moving violations. Ten states don’t use speeding cameras at all, and nine states – including New York and North Carolina – explicitly ban insurers from raising rates based on speeding camera tickets.
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