It is possible that your auto insurance rates may be increased if you are convicted of a violation outside of your home state. Whether your premiums will rise due to an out of state ticket will depend on various things such as how your state deals with citations received out of state and your insurance company's rating system.

All US States except 5 (Georgia, Massachusetts, Michigan, Tennessee and Wisconsin) are members of the Drivers License Compact (DLC). The DLC requires member states to report citation convictions received by motorists to the state in which the person is licensed. The five states that are not part of the DLC may still have their own agreements with others states to share this type of information.

Some states choose to place out of state tickets on your driving record and assess points to these offenses while others do not. If the ticket you received in a different state is placed on your driving record in your home state then your insurance company will see it the next time they pull your MVR.

If the ticket is not placed on your home state's driving record then your insurer may not see it unless they do an extensive ticket search or ask you on a questionnaire or application about citations which you then would need to list this out of state ticket.

Ultimately whether or not a ticket from a different state will affect your rates depends upon your insurance company's rating system. If it does affect your rates it would do so in the same manner that an in state ticket for the same offense would. To find out if an out of state ticket will be placed on your driving history contact your DMV. To find out more about your insurer's rating system ask your agent.

If your rates do go up due to an in state or out of state citation, shop around for affordable auto insurance here with us.