Maryland, the state where you obtained your speeding ticket, and your home state of Virginia are both members of the Drivers License Compact (DLC). This agreement requires member states to report out of state moving violation convictions back to the state where the driver is licensed.

So if you are convicted of the MD speeding offense, the Maryland courts will forward this information onto the Vehicles. The Virginia DMV site notes that out of state violations will be placed on your VA driving record and demerit points will be assigned as well.

In Virginia you might see if completing a driver improvement course is available to you to help offset any points you get from this MD speeding ticket. Normally you can accumulate a total of 5 safe driving points, which you may use to offset demerit points, by taking this driving class. To see if this course of action is an available to you, check with the Virginia DMV.

Since the Maryland speeding ticket conviction will be reported to Virginia and placed on your driving record your insurance company should see it next time they pull your motor vehicle record.

Whether this out of state speeding offense will affect your insurance premium will depend upon the rating system of your insurance carrier. If you have a clean record otherwise then this ticket may not affect you or a safe driver discount may be taken away, again it depends upon your insurance company's rating system so speak to your agent about this.

According to the Virginia Bureau of Insurance if you or a member of your family has caused a traffic accident or has been convicted of a serious traffic violation, such as speeding or reckless driving, the price you must pay to obtain auto insurance might be higher. Insurance companies are allowed to increase your premium for automobile accidents where you, a member of your household, or other customary operator of the vehicle were wholly or partially at fault, and for convictions appearing on an insured's driving record. Surcharges may be applied for 36 months (3 years).

Most insurance companies in Virginia have a “Safe Driver Plan.” This means that if you and every driver in your household have had no “at-fault” accidents or convictions, you may qualify for a lower premium. If you and your family do not have a “clean” driving record, you will probably pay more. How much more depends on your particular driving record and the “Safe Driver Plan” of that particular company.

So to find out if this Maryland speeding citation could raise your rates, or take away a safe driver discount, speak to your insurance agent about your provider's rating system. If your rates do go up you can shop around for low cost car insurance here with us.