Question: I live in Minnesota, how long will a speeding ticket be on my record and effect my insurance? Even if one of the tickets was a reckless driving in ND. All of these were more than three years ago.
Answer: Minnesota Driver and Vehicles Services states that regular moving violations (speed, stop signs, HOV, etc) have a 5 year mandatory retention under state law. After that length of time they are removable upon request. Alcohol violations, however, are permanent.
The MN driver's manual states that the Minnesota Department of Public Safety (DPS) maintains your driving record, which contains information about driving and licensing violations in Minnesota and other states.
So the least amount of time that any speeding tickets, or out of state traffic ticket such as reckless driving, will appear on your Minnesota driving record is 5 years. If after that amount of time has passed and you wish it to be taken off, you will need to contact the MN driver and vehicle services department and request that it be removed.
So you will need to wait till at least 5 years have elapsed since the moving violation convictions were placed on your MN MVR before you can call and request them to be removed.
You can compare insurance companies to find out how long these offenses will affect your rates. It will depend upon the rating system of the individual insurance company if these violations that occurred more than 3 years ago will affect your rates or not. Some may rate taking these into consideration while others may not. Insurance companies tend to "look back" on your Motor Vehicle Record (MVR) 3, 5 or 7 years so they would see it.