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We received a speeding ticket in LA and we reside in TX. Will this appear on my driving record? Will it affect my insurance?

As you may be aware both Texas and Louisiana are both members of the Drivers License Compact (DLC) so if you are convicted of the speeding offense in LA than their courts would inform the TX Department of Public Safety. This is because the DLC requires member states to notify the licensing state of a driver if the individual is convicted of moving violations, such as speeding. It then is up to the person's home state to decide if they will put the out of state ticket on the person's driving record and assign points.

According to the Texas Department of Public Safety (DPS) they will place out of state offenses onto your TX driving record. The Texas points system lists that it is 2 points for a moving violation conviction in Texas or that in another state. Points however are not assigned for speeding less than 10% over the posted limit or for seat belt convictions. So if your speeding citation falls into the less than 10 percent over the posted limit that it does not appear you would receive points for the LA speeding ticket though it would still be listed on your TX motor vehicle record.

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The TX DPS keeps moving violations and accidents on a driver's record for 5 years, with the exception of serious offenses such as DUI and no liability insurance which stay indefinitely.

Texas law requires rates for auto insurance offered in Texas to be reasonable, adequate, not excessive to the risks for which they apply, and not unfairly discriminatory according to the Texas Department of Insurance (TDI). Car insurance companies in Texas set their own rates and then file them with TDI for review.

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Since the LA speeding infraction will be placed on your TX driving record your insurance company will see it the next time they pull your MVR. To find out if this speeding ticket will affect your rates you would need to find out about your specific insurance company's rating system. Usually you can find out about a rating system by asking your agent or the TX TDI since the insurance provider's rates are filed with this state agency.

If your insurance rates go up due to the out of state speeding violation you may want to shop around for low cost car insurance.

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This car insurance answer was last updated 9:20 AM Dec-31.
This Save Money question was asked 10:14 AM December-26-2008.
Jess requested this car insurance help from CarInsurance.com experts.
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