Insurance companies normally look at the violation conviction and not necessarily the points assessed, or in this case not assessed, for that traffic offense. A speeding ticket for driving 1 to 5 mph over the posted speed limit is normally though of as very minor infraction and may not affect your insurance rates since it is your first ticket.

That being said insurance companies differ on their rating systems so you would need to check with your Nationwide agent to find out about their rating system and if this first citation of yours for a zero point, minor speeding offense will make a change in your premiums at renewal time. It may be that you will lose a good driver discount or that your rates will not be affected at all, again your agent will be able to tell you particulars about your insurance provider's rating system.

You may try contacting the MI Financial and Insurance Services Department with whom insurance carriers file their rates with. Michigan's auto insurance is regulated by state law on a competitive basis. MI state law sets forth the factors that companies use when setting their auto rates. Some of the factors that companies can use in setting rates in Michigan include the type of vehicle you own, your driving record, your age or length of driving experience, where you live, and having multiple policies with the insurer.