Ticket: Running a red light
Average premium increase: 21% to 19%
You break the law when you intentionally go through an intersection after its traffic signal turns red, breeze through a stop sign or roll through a right-turn-on-red without stopping.
If you have a tendency to ignore traffic signals, your insurance premiums are probably high already. Red-light runners often have a history of accidents, DUIs, speeding and other violations, according to the Insurance Institute for Highway Safety.
Failure to stop, particularly for a red light, can be very dangerous. In 2012, crashes involving red-light running killed 683 people and injured an estimated 133,000, the institute says. About half the fatalities in these accidents are pedestrians, bicyclists and car passengers.
In urban areas, the most common type of collision involves drivers ignoring traffic controls, including red lights. The insurance institute says people are hurt in nearly 4 out of 10 of those accidents.