Typically if you are driving your friend's car and receive a moving violation citation, such as a speeding ticket, it will go on your driving record. If the ticket for the infraction is written in your name then the ticket is going against you. If the ticket had been written against the vehicle for a broken headlight or something like that, then it would be your friend, the car's owner, responsibility.

So depending on how your insurance company calculates traffic tickets into their rating system this ticket could affect your rates. If you want to know how your insurance company does their rates you can contact them or your state's insurance regulator since they must file their rates with them.