Running a Red Light in Michigan: 3-Point Math

Michigan assesses 3 points for running a red light under MCL 257.612. That places it in the same category as careless driving and texting while driving — violations the state considers materially riskier than a basic speeding ticket. The 3 points stay on your Secretary of State driving record for two years from the conviction date. Insurance carriers review a longer window — most pull three years of violation history at renewal, which means the surcharge persists even after the points fall off your state record. Michigan's suspension threshold is 12 points in two years. A single red light violation does not trigger suspension, but two red light violations plus a speeding ticket within 24 months will put you at or near the threshold. At 12 points, the state issues a driver license reexamination notice and may suspend driving privileges for 30 days.

Most carriers separate their surcharge tables into speed-based violations and non-speed violations. A red light ticket falls into the non-speed category, which some carriers price more aggressively than a comparable 3-point speeding violation. State Farm and Progressive typically apply a flat 3-point surcharge regardless of violation type. GEICO and Allstate often add an intersection-specific surcharge on top of the base point penalty, treating red light and stop sign violations as accident predictors. The difference can be 10–15 percentage points on the same driver profile. A driver with one red light violation in Michigan typically sees a rate increase between 20% and 35% at their next renewal. That translates to $25–$50 per month on a full coverage policy originally priced at $140/month. The surcharge applies for three years on most carriers' schedules, even though the points fall off the state record after two.

Preferred carriers like State Farm, Auto-Owners, and Frankenmuth usually maintain eligibility for a driver with one red light violation and no other points. A second violation within three years commonly triggers declination or non-renewal, pushing the driver into standard or non-standard markets. Standard carriers — Progressive, Safeco, Kemper — accept multi-violation drivers but price the second violation more steeply than the first. A driver quoted $165/month after their first red light violation may see $240/month after a second. Non-standard carriers — Dairyland, National General, Bristol West — specialize in drivers with multiple violations or points suspensions. Rates start higher, but the incremental penalty for a second violation is smaller because the baseline already assumes elevated risk. A non-standard carrier may quote $210/month for a driver with two red light violations where a standard carrier quoted $240.

Michigan does not offer a defensive driving course that removes points from your Secretary of State record for violations already on file. The Basic Driver Improvement Course (BDIC) is available only as a post-suspension reinstatement requirement or as a voluntary action to demonstrate responsibility — it does not erase points or accelerate their expiry. The 3 points from a red light violation expire automatically two years from the conviction date. You do not need to request removal or file any paperwork. The state updates your record on the expiry date. Insurance surcharges operate on a separate timeline. Most carriers apply the surcharge for three years from the violation date, not the conviction date. Completing a BDIC voluntarily and submitting the certificate to your carrier at renewal may support a request for early surcharge removal, but carriers are not required to honor it. State Farm and Auto-Owners occasionally reduce surcharges early for drivers who complete BDIC and remain violation-free for 24 months. Progressive and GEICO do not typically adjust surcharges before the standard three-year window expires.

Two red light violations within two years means 6 points on your Michigan driving record. That moves you halfway to the 12-point suspension threshold and guarantees a non-renewal notice from most preferred carriers. The Secretary of State may issue a reexamination notice at 6 points if the violations occurred within 12 months of each other. The reexamination is not a suspension, but it requires an in-person driving test and written exam. Failure results in license restriction or suspension until you pass. Insurance consequences compound. A driver who saw a 25% increase after their first violation typically sees an additional 30–40% increase after the second, for a cumulative rate impact of 55–65% above their original premium. On a policy that started at $140/month, that means $215–$230/month for three years from the date of the second violation.

The first surcharge reduction happens when the violation ages past 36 months on most carriers' lookback windows. At that point, the violation drops off your insurance record even though it remains visible on your Secretary of State abstract. A driver who receives a red light ticket in January 2025 will see the points expire in January 2027. The insurance surcharge expires in January 2028. Requesting a re-rate at your January 2028 renewal is the forcing event — carriers do not automatically remove surcharges when violations age out. Shopping carriers at the 24-month mark — after points fall off the state record but before the insurance surcharge expires — sometimes produces a lower rate than waiting for your current carrier to remove the surcharge. State Farm and Progressive pull full three-year violation histories at quote time, so early shopping rarely helps. Smaller regional carriers like Hastings Mutual and Grange sometimes quote on a rolling two-year window, which can produce material savings six to twelve months before your current carrier drops the surcharge. Maintaining continuous coverage and avoiding any additional violations during the surcharge window is the only guaranteed path to baseline pricing. A clean record from the date of the violation forward rebuilds preferred-carrier eligibility within three to four years.