As you may be aware Florida is part of the Drivers License Compact (DLC) while Massachusetts is not. Even though your home state of Massachusetts is not part of the Drivers License Compact the Registry of Motor Vehicles (RMV) has arraigned to share driving records with other states and have other states share violations of their motorists out of state citations with them.

The Massachusetts Registry of Motor Vehicles (RMV) driver handbook states that certain traffic offenses committed by a MA driver in other states will be placed on their driving record and treated as if the violation has occurred in MA.

The RMV notes as well that out of state violation convictions may count toward surcharge-able events and thus possible license suspensions and Safe Driver Insurance Plan (SDIP) surcharges. Surcharge-able events are considered motor vehicle violations and at-fault accidents.

To find out if the MA RMV will record this FL speeding ticket on your driving and assess surcharge points for it, you will need to contact them. If surcharge points are given it would either be 2 for this minor traffic violation or 0, if this is your first traffic offense.

If a surcharge is assigned, your insurance rates will be affected. Each surcharge point increases the premium paid for 4 coverages in a MA insurance policy: compulsory bodily injury, personal injury protection, property damage and collision.

According to the Safe Driver Insurance Plan, in 2006, the premium for drivers with less than 6 years of driving experience is 7.5% above the base rate for each surcharge point on their driving record. For drivers with 6 or more years of driving experience the premium is 15% above the base rate.

The Code of Massachusetts portion that discusses this Safe Driver Insurance Plan (211 CMR 134) states that The Plan shall take into consideration certain major and minor out of state traffic violations.

From this information it would appear that your out of state Florida ticket may be put on your MA driving record and the traffic infraction can likely affect your auto insurance. To find out how much your premiums could change due to this citation, check with your insurance provider or the MA Division of Insurance.