State laws, guidelines and processes vary but typically tickets are not reported directly to an insurance company. Usually an insurance company will become aware of a moving violation, such as a speeding ticket, when they ask you on an application or when they run your motor vehicle record (MVR).

Insurance companies normally checks a motorist's driving record at the beginning of a policy and at renewal time. If this is your son's first ticket it could be that when his insurance company sees it, the rates will not be affect. Though there is the chance a safe driver discount may be taken away. It will depend on the insurance carrier's rating system how this citation will affect premiums.

What a Traffic Ticket can Truly Cost You is an article in our Learning Center you and/or your son may find of interest.