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I received a speeding ticket in Illinois while visiting there. I am from Ohio and so is my driver's license. At the time of the violation, I did not present my insurance. Instead, I presented the insurance of the person whose car I was driving. The officer said that since it's out of state, if I pay the ticket, no points will go on my record nor on my insurance. Is that true?

Any violation you receive goes on your motor vehicle report. It does not matter in which state you are licensed. Nor does it matter in what state you get the ticket. Also, if you move, any tickets you receive with your Illinois driver's license will follow you to your new state of residence, and the driver's license you receive from that state. That being said, if this was your first ticket, you might not see any change in your rates. 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.

If this violation increases your insurance rates, you can click here to get a quote for auto insurance Canton (or any other city inthe United States) to compare your rates.

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This car insurance question was asked on 9/24/2005
This auto insurance answer was last updated on 9/26/2005
Tiff requested this car insurance solution.
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