Neither Michigan or Tennessee are members of the driver's license compact (DLC) which requires member states to report back to the licensing state of a motorist convictions for moving violations that one received out of state. However even without being part of the DLC any longer, the TN Department of Safety has decided to report tickets back to your home state if you are cited for a traffic violation in TN with an out-of-state driver's license.

The Michigan Secretary of State (SOS) site has information showing that out of state tickets may still be added to your MI driving record. The MI SOS states that if an out of state moving violation substantially corresponds to a violation of a Michigan law, then the conviction will be posted to your driving record and points will be assessed as required by the Michigan Vehicle Code.

They go on to say that if the ticket is for an offense for which a suspension would have been given if the ticket had been received in Michigan, then a suspension will be imposed after the posting of the ticket, allowing time for due process and the sending of a notification letter.

So while both MI and TN are not members of the DLC it would appear that the Tennessee traffic court will inform the Michigan SOS about your speeding ticket if you are found guilty and convicted of it. Michigan will then place the out of state traffic ticket on your driving record and assess points if required by the MI Vehicle Code. Being convicted of a speeding violation for 11-15 mph over the legal speed limit is 3 points in MI according to their points list.

As for your insurance, since they will be able to see this Tennessee speeding conviction the next time they pull your motor vehicle record (MVR) then your rates could be affected by this out of state ticket. Since it is your first offense on your record it may only cause a good driver discount to be taken off however it really is up to the rating system of your insurance carrier.

Insurance companies' rating systems differ so you would need to find out about your carrier's one from your agent or you can try contacting the MI insurance regulator with whom auto insurance rates must be filed. If your premium amount for your car insurance goes up then try shopping around for affordable auto insurance.