Yes, an out-of-state speeding ticket affects insurance for most drivers. State DMVs typically discover out-of-state tickets through the Driver License Compact (DLC), which is a multi-state agreement to exchange information about citations for moving violations. But not every state treats outside tickets the same, and although they will likely affect your insurance, it’s not always guaranteed.
In order for a speeding ticket to affect your insurance, it has to be reported to your state’s DMV and appear on your driving record. The 45 states that belong to the DLC automatically inform other state DMVs about any citations their residents receive. The information can also be shared by non-member states through other means. For example, Massachusetts is not a part of the DLC but still shares information through the Registry of Motor Vehicles.
But even after the violation is reported, it could still stay off of your driving record. Some states, including Colorado and Pennsylvania, don’t add minor out-of-state violations like speeding tickets to your driving record. If you receive a speeding ticket in another state, you should research your own state’s rules to find out how it will be handled by the DMV.
Once an out-of-state speeding ticket is on your driving history, it will likely affect your insurance when your insurer runs your record prior to renewing your policy. If they decide to raise your rates as a result, the exact amount will depend on a few factors, including your insurance company’s policies, how fast you were going and whether or not you’ve received a prior citation. If it’s a low-level speeding violation and your first offense, your insurance company might not raise your premium aside from disqualifying you from good driver discounts.
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