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Q

I received a speeding ticket for 15 mph over the speed limit in Virginia, but I am from North Carolina, what kind of consequences can I expect as far as my insurance rates?


A

In Virginia, a speeding ticket for 15 mph over the speed limit is a 4 point offense and in North Carolina it can be a 3 point offense if you were going over 55 mph at the time. Both states are members of the Drivers License Compact and thus exchange information between their departments of motor vehicles.

Once your home state of North Carolina receives information regarding your conviction for this moving violation they will likely put it on your driving record. You will need to check with the NC Department of Transportation (DOT) to find out if any points will be assigned.

Typically in North Carolina, if you receive points on your license for a moving violation, insurance points are also assessed. Two insurance points are usually assigned for speeding more than 10 mph over the limit, if the total speed was in excess of 55 mph but less than 76 mph.

If 2 insurance points are assessed for your out of state speeding ticket from Virginia, your insurance surcharge could go up by between 15 to 45 percent but insurance companies can use different point systems to determine insurance rates. The NC DOT suggests contacting your insurance agent if you have questions about how your provider calculates insurance points.

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