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QuestionInsurance Question  I received a ticket for speeding (83mph in a 65mph zone) in Pennsylvania, but I am a New Jersey resident. How many points will be assessed on my NJ drivers license? Will this affect my NJ insurance?

AnswerAuto Insurance Answer

As the New Jersey Motor Vehicle Commission asserts, NJ belongs to two interstate compacts. One is a Non-resident Violator Compact, this requires, among other things, drivers to fulfill the terms of traffic citations received in member states or face the possibility of license suspension in their home state. The second is the National Driver License Compact which allows member states to exchange violation information with other states.

These compacts allow member states to transfer information between department of vehicles (DMVs) to ensure driver compliance with the law and that they receive penalties for violation. Pennsylvania is also part of these two compacts so information about your PA speeding ticket will be reported to New Jersey. New Jersey states that out of state violations become part of your NJ driving record and that 2 points are assessed for each out-of-state moving violation.

Since this ticket will be on your NJ driving record, it could affect your insurance rates depending on how your insurance company determines their rates. If your premiums do go up in price you can shop for auto insurance here with us.

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