UPDATED: Aug 15, 2020
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|Key Points||From Experts...|
|An out-of-state speeding ticket may affect your driving record, particularly if the state in which it occurred is a member of the Driver License Compact||American Association of Motor Vehicle Administrators|
|46 states plus the District of Columbia are members of the Driver License Compact||American Association of Motor Vehicle Administrators|
|One speeding ticket can mean an average of a 17 percent increase in your insurance rates||Quadrant Information Services|
Have you ever wondered, “Can out-of-state speeding tickets affect your auto insurance rates?” One of the biggest concerns when you get a speeding ticket is how it will affect your auto insurance rates. Depending on your state and insurance company, one speeding ticket can raise your insurance rates by quite a sum. But what about if you’re on a road trip? Will out-of-state speeding tickets affect insurance rates?
More out-of-state speeding ticket questions? We’ve got the answers, including how they may (or may not) affect your insurance rates. Keep reading to learn more about your auto insurance rates, how tickets can affect them, whether or not out-of-state tickets will cause your rates to increase, and more.
If you’ve had an out-of-state ticket, use your ZIP code to get a free quote on auto insurance.
Out-of-state Speeding Tickets and Their Affect on Auto Insurance
Auto insurance companies use a number of factors to determine your rates, including your age, ZIP code, gender (this is dependent on state law), credit score, and driving record.
Wondering how your driving record impacts your insurance rates? What happens if you get a speeding ticket in a different state? Do out-of-state speeding tickets affect your insurance rates? How much does insurance go up after a ticket? Keep reading to find out the answers to these and other related questions.
How does an out-of-state speeding ticket affect my insurance?
So does an out of state speeding ticket affect your insurance? When it comes to out of state tickets, whether or not they affect your auto insurance rate will depend on how they are reported on your in-state driving record.
Most states notify each other of traffic violations when they occur, particularly if they are members of the Driver License Compact, which we’ll discuss in the next section. However, not all states participate, and different states handle out-of-state traffic tickets differently.
For example, does Louisiana report speeding tickets to other states? The answer is yes. If you’re driving through Louisiana (which is a member of the Driver Licenses Compact) and are ticketed, the Louisiana Department of Public Safety and Corrections will report your ticket to your home state. Another example is California. If you live in California and receive an out-of-state speeding ticket, it will be applied to your driving record.
How much will my driving record affect my insurance rates?
To determine how risky it will be to insure you, your insurer will run your driving record, which they will use to adjust your rates. Some auto insurance companies run your driving record each time you renew your policy (usually every six months). However, some auto insurance companies will only run your driving record every one or two years. Therefore, any tickets you get may not affect your rates right away.
Take a look at this table, populated with data we partnered with Quadrant to obtain, to see how a speeding ticket can affect your insurance rates.
|Auto Insurance Companies||Average Auto Insurance Rates with a Clean Driving Record||Average Auto Insurance Rates with One Speeding Ticket|
As you can see, even one speeding ticket can mean up to a 23 percent increase in your insurance rates. No matter where you are, it’s important to follow all posted speed limits and traffic laws.
What is the Driver License Compact?
The Driver License Compact is a program put in place to simplify sharing of information between states regarding driving records. This means if you get a traffic citation in a member state in which you are not a resident, that state will report the citation to your home state’s department of motor vehicles (DMV).
Once your DMV has been notified, they will handle the citation in the same way it would be handled had it occurred in your home state (meaning your home state laws and penalties apply).
This means your out-of-state speeding ticket will likely be reported to your local DMV. Forty-six states and the District of Columbia are part of the Driver License Compact. And most of these states will access points on your driving record (which we’ll discuss in greater detail later) for the reported out-of-state ticket.
Take a look at this table to see the full list of states that are members of the Driver License Compact, which are also the states that report speeding tickets to your home state.
|State Members of the Driver License Compact||Year the State Joined the Driver License Compact|
|Districut of Columbia||1985|
Those states that are not members of the Driver License Compact may treat your out-of-state traffic citation differently.
Which states do not participate in the Driver License Compact?
Georgia, Michigan, Tennessee, and Wisconsin are not currently members of the Driver License Compact. However, some of these states will still report your out-of-state ticket to your local DMV, even though they are not required to do so.
Just because your out-of-state speeding ticket is reported to your local DMV does not necessarily mean it will be added on to your driving record. Some states do not add out-of-state tickets (or speeding warnings) to your record. This means in some states, you may be able to avoid a premium hike due to your out-of-state ticket.
Colorado and Pennsylvania do not record out-of-state traffic tickets on your driving record if they are considered minor offenses. New York residents who get a ticket within the country will not have that out-of-state ticket reported on their driving record, but if you get a ticket in Ontario it will be added to your record.
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What Tickets Will Affect Your Auto Insurance Rates
Just because an out-of-state speeding ticket is reported to your local DMV does not mean it will increase your auto insurance rates. It all depends on the state that you live in and the insurance company that you are working with.
Some states do not allow insurance companies to raise rates if you only have one traffic violation. If you live in one of those states and you have only one out-of-state speeding ticket, this means it may not raise your rates. However, in most states, your auto insurance rates will increase if the ticket is reported on your driving record.
How do tickets affect my good driver discount?
Some insurance companies offer special auto insurance rates for safe drivers that can lower your premiums. For these insurance companies, getting just one violation may not result in a direct increase in your rate, but you could lose your good driver status. Losing your good driver discount will increase your rates some, but perhaps not as much as the speeding ticket would raise your rate with another company that didn’t offer such programs.
Take a look at this table to see some examples of good driver discounts.
|Good Driver Discount Types||21st Century||AAA||Allstate||American Family||Ameriprise||Amica||Country Financial||Esurance||Farmers||Geico||Liberty Mutual||MetLife||Nationwide||Progressive||Safe Auto||Safeco||State Farm||The General||The Hanover||The Hartford||Travelers||USAA|
Different companies refer to these programs by different names, and these are just a few examples. Speak to your insurance agent to find out more about what good driver discounts and programs may be available from your insurer.
What is a ticket points systems?
Forty-two states and the District of Columbia currently have a points system that reflects the number and type of traffic citations you’ve received recently. In general, different moving violations are associated with different numbers of points. The more severe the violation, the higher the number of points.
These points are tied to your driver’s license and if you receive too many points within a set amount of time (usually between one and five years), your license and driving privileges will be suspended.
While auto insurance companies do not use the state points systems to adjust your rates (most maintain their own systems for rating your risk as a driver), you already know your driving record can significantly affect your rates. And if your license is suspended, you may find yourself struggling to purchase an auto insurance policy.
This means that if an out-of-state speeding ticket is reported on your driving record in your state but you live in one of the eight states that does not maintain a points system (or the violation does not qualify for a points increase on your record), it can still affect your auto insurance costs.
Do ticket points transfer from state-to-state?
Now that you know that ticket points systems are, you may be asking if you get a speeding ticket in another state, do you get points on your license. And the answer is yes, if the state in which you received the ticket is a member of the Driver License Compact, and the state you call home has a ticket points program in place.
Do out-of-state speeding tickets affect my license?
While penalties vary by state, if you’re found to be driving recklessly or speeding excessively (typically 20 MPH or more over the speed limit), you may have your driver’s license suspended. When this happens, your state will have specific requirements you must meet, including paying fees and fines, in order to have your license reinstated.
So you’ve gotten a speeding ticket in another state. You know out-of-state speeding tickets can affect insurance rates. But do out-of-state speeding tickets affect your license?
It depends on where you live, but if you’re ticketed in a state that is a member of the Driver License Compact, your ticket is reported to your home state, and your state assigns points to the violation (or the violation is severe enough to result in an automatic suspension), it can affect your license. Recall that if you have enough points on your license within a given time period, it may be suspended.
Depending on the state in which you live, you may have the option to enroll in traffic school to get points removed from your license. You already know that your out-of-state speeding ticket may increase the points on your driving record. So after receiving an out-of-state speeding ticket, you may consider traffic school as an option to decrease the number of points on your record.
The Bottom Line for Speeding Tickets and Auto Insurance
So, do out-of-state speeding tickets affect insurance? It depends on where you received the ticket and how often your insurance company checks your driving record, but typically, the answer is yes.
The best way to avoid hikes to your auto insurance rates is to avoid getting speeding tickets and other traffic violations that can increase your rates, regardless of where you are in the country. If you do get a speeding ticket, attempting to fight it in court might result in a higher penalty cost but could keep it off your driving record.
If you get a speeding ticket in another state, make sure that you pay it promptly. Your state of residence is likely to enforce driver’s license suspensions of other states for failure to pay tickets, which will definitely result in higher insurance rates for several years.
Frequently Asked Question
Still have questions? Read through these frequently asked questions to learn more.
How do I fight an out-of-state speeding ticket?
If you’re wondering how to fight an out-of-state speeding ticket, you may find it to be more difficult than you anticipated. In general, fighting an out-of-state ticket requires you to appear before the court in the city or county in which the ticket was issued. An out-of-state speeding ticket court appearance can be both complicated and expensive. In general, it is simpler, easier, and cheaper to pay the ticket, rather than fighting it.
If you’re concerned about how the out-of-state speeding ticket may affect your insurance rates, you can do some research to calculate the cost of the estimated increase in your insurance rates compared to the estimated cost of fighting the ticket (keeping in mind that you may not be successful, in which case you’ll have paid for the travel, lawyer—if you hired one, and the increase in your insurance rates).
What happens if I don’t pay an out-of-state speeding ticket?
As we just discussed, fighting an out-of-state speeding ticket is difficult. This means it is easier to just pay the ticket. But what happens if you don’t? Does delaying paying a traffic ticket affect insurance?
According to Nolo, unpaid tickets can mean a driver’s license suspension in the state in which the ticket was issued, difficulty renewing your insurance if the unpaid ticket is reported to your insurance company, and even a warrant for your arrest in the state in which the ticket was issued.
Bottom line? Don’t forget to pay the fine for your speeding ticket.
How can I save money on auto insurance?
The two best ways to save on insurance are to shop around and look for discounts. Shopping around for insurance will help you get the best rates for your lifestyle, circumstances, etc. You can start your shopping journey here by using your ZIP code to get a free quote on auto insurance.
The next step is to find out what discounts you qualify for. Most insurance companies offer a variety of discounts within a number different categories. Take a look at this table to see some examples.
|Discounts||21st Century||AAA||Allstate||American Family||Ameriprise||Amica||Country Financial||Esurance||Farmers||Geico||Liberty Mutual||MetLife||Nationwide||Progressive||Safe Auto||Safeco||State Farm||The General||The Hanover||The Hartford||Travelers||USAA|
|Adaptive Cruise Control||x||x||x||x|
|Daytime Running Lights||x||x||x||x||x||x||x||x||x||x||x||x||x||x||x||x||x||x|
|Electronic Stability Control||x||x||x||x||x||x||x||x||x|
|Forward Collision Warning||x||x||x||x||x||x||x|
|Lane Departure Warning||x||x||x||x|
|New Customer/New Plan||x||x||x|
|On Time Payments||x||x||x||x|
|Seat Belt Use||x|
|Students & Alumni||x||x||x||x||x||x|
As you can see, there are quite a few discount options available, so chances are, you’ll qualify for at least a one or two that can be applied to your insurance rates.
What is high risk insurance?
High risk insurance is for drivers who are considered to be high risk by insurance companies. There are a few different factors that can contribute to being considered high risk, but it is primarily based on your driving record.
If you have a DUI on your record, a number of minor traffic violations, or other indications that the chances of a claim being filed against you are higher than average, you may be considered a high risk driver. Other factors may include, but are not limited to, your age (younger drivers are considered riskier to insure) and your credit score (the lower your credit, the higher risk you appear).
High risk insurance may or may not be sold by the major insurers in your state, though most states have some sort of program in place that enables high risk drivers to purchase coverage so they can legally drive. However, high risk auto insurance will cost you much more than insurance for the average driver.
The good news is that if you can maintain a clean driving record for at least three-to-five years, you may be able to change your status from a high risk driver to an average one, which can mean a decrease in your insurance rates.
How does my credit score affect my insurance rates?
As we discussed above, risk is a significant factor in how your insurance rates are adjusted. The higher risk you appear, the higher your insurance rates will be. And one factor insurance companies take into consideration when making this risk judgement is your credit score.
Essentially, insurance companies assume that drivers with good credit scores are more responsible than drivers with lower credit scores. According to a recent report by Experian, the average credit score in the United States is 703, which is considered “good.”
So how much can your credit score affect your rates? Take a look at this table to find out.
|Auto Insurance Companies||Average Auto Insurance Rates for Drivers with a Good Credit Score||Average Auto Insurance Rates for Drivers with a Fair Credit Score||Average Auto Insurance Rates for Drivers with a Poor Credit Score|
As you can see, your credit score can have a significant affect on your rates, though you should keep in mind these are national averages, so exact numbers will vary based on state, individual circumstances, etc.
Now that you know out-of-state speeding tickets can affect your insurance rates, take a moment to use your ZIP code and get a free quote on auto insurance.