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QuestionInsurance Question  I have a Maryland drivers license but received a traffic ticket for 80mph in a 65mph zone in North Carolina. If I pay the fine, will this affect my drivers record and insurance rate in Maryland?

AnswerAuto Insurance Answer

Maryland and North Carolina are both part of the Drivers License Compact which allows for member states to report tickets received by drivers out of state back to their home state. So it is likely that North Carolina will transmit the speeding ticket information to Maryland.

Your home state of Maryland does not assess points for out of state convictions but will likely still note them on your driving record which your insurance company could view. Whether this one speeding ticket will affect your insurance rates depends on your insurance company's rating system. Insurance companies differ on their rules for rating so you should speak to your insurance agent or contact your state's regulatory body with which your insurance company must file their rates with.

If your rates are going to rise you might decide it is time to shop around for MD auto insurance.

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