Insurance regulation is defined and handled at a state level. So, if you live in Texas you will have to abide by the regulations defined by the state of Texas. The insurance regulation/laws of Oklahoma will not affect your rates in Texas.

Oklahoma and Texas are both members of the Drivers License Compact. As members of this agreement their courts and departments of motor vehicles will exchange information regarding traffic violations and inform the state in which a person is licensed of traffic infractions.

According to the Texas Department of Public Safety 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.

Texas law requires rates for 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). Auto insurance companies in Texas set their own rates and then file them with TDI for review.

The TDI notes that insurance companies may add surcharges to your premium, some as high as 60 percent, for the following:

• accidents (the more accidents, the higher the surcharge)
• moving violations (speeding, etc.)
• involuntary manslaughter
• driving under the influence
• criminally negligent driving
• driving without a license or with a suspended license.

It does not state that speeding below 10 mph over the limit is immune from a surcharge or rate increase. It would thus appear that it would be up to your insurance company and the structure of their rating system if this OK speeding ticket would affect your rates once they see it listed on your driving record.

Typically, insurance companies are not concerned with a driver that has one ticket under 15 miles over the speed limit.