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Insurance companies find out about tickets by checking a driver’s record. Prior to renewing an existing policy or selling a new one, insurers will check a driver’s Motor Vehicle Report (MVR), which is a report of their driving history from their state’s DMV. Any traffic violation will show up on an MVR, so an insurance company is certain to find out about it once it’s on the record.
If you can prevent a ticket from going on your record, however, then the insurance company has no way of knowing about it. Many states will allow a ticket to be dismissed if you attend and pass a defensive driving course, especially if it’s a first offense. You could also contest the ticket in court.
If your ticket does end up on your driving record, you should contact your insurance company in order to find out how your rates will be affected. For example, there’s a chance that a low-level speeding ticket on an otherwise spotless record might not raise your rates at all. And even if your rates do increase, they’ll usually go back down after 3-5 years of safe driving.
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There is no public information about a Progressive insurance point system. Your insurance premium can go up following an accident, a speeding ticket, or other traffic violations, but you won’t know by how much until your policy is up for renewal.
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