dcsimg
Call Us Toll Free: 1-855-430-7753

Q&A

See if your question's been answered
Looking for more answers? Find advice to
commonly asked questions from our team
of insurance experts.

Q

I just received a speeding ticket out of state from the state which issued my license. My home state DMV does not record out-of-state tickets, and the points or incident do not appear on my driving record. Is there any way that my insurance company will still find out about this, and will my rates increase?


A

It is always possible that your state may learn about this incident. If they do and if it was your first ticket, you might not see any change in your rates.

Most states have reciprocal arrangements and provide ticket information to the driver's home state. Some states are members of the driver's license agreement (DLA) which means they share information between their motor vehicle departments. Members of this agreement have different rules to what they transfer over and if points are accessed, etc.

Some states have laws governing when and why auto insurers can change policyholders' premiums; often, insurers are not allowed to raise your rates after just one speeding ticket or other citation. Different companies have different practices when it comes to raising premiums. Some companies will consider the severity of your violation and raise your rates accordingly; others will raise rates a specific amount per violation.

Get car insurance quotes here to determine how this could affect your premiums.

Comment Update: The only way an insurer will recognize an out of state ticket is if the state is in a state that shares information with the resident state. If they are, then the state where the offense occurs will notify the license state. If not, then your license state will not have this on the record. If you search our auto insurance answers you will find state specific questions where we have answered questions to tell consumers which states share information between states.

Basically, if it doesn't show up on your resident driving record the insurance company will not know about it.


Categories:

Add Comment

Leave a Comment
 
 
 
4 Responses to "I just received a speeding ticket out of state from the state which issued my license. My home state DMV does not record out-of-state tickets, and the points or incident do not appear on my driving record. Is there any way that my insurance company will still find out about this, and will my rates increase?"
  1. Anonymous

    like to see more answers like. What will happen if you get a ticket in another state and you do not pay?

      Reply»  
  2. Anonymous

    tell me how to find more info about my states laws

      Reply»  
  3. Anonymous

    I think this is so helpful !

      Reply»  
  4. Anonymous

    Still vague. I need to know how an auto insurance company can find out about an out of state ticket if the residing state does not make an entry for out of state convictions. Is the DLA not a communication from DMV to DMV, not accessible by insurance companies? Still need to know the important issue of whether or not insurance companies can access out of state tickets not reflected in licensed state.

      Reply»