Do Out of State Speeding Tickets Raise Your Auto Insurance Rates?

What to know about moving violations that occur out of state.police officer approaching car

While you understand that getting a speeding ticket will cause your auto insurance premiums to rise, is this still true when you receive the violation while driving out of state?  Here is what drivers need to know about their car coverage and out of state speeding tickets.

  • How Speeding Tickets Affect Auto Insurance Rates

Receiving a speeding ticket causes your insurance rates to increase because your insurer sees you as riskier to insure.  This is because drivers who have received speeding tickets are more likely to receive future violations as well.  Because speeding increases your chances of getting into an accident, your insurance company raises your rates to protect themselves from the risk that you pose.

  • Out of State Speeding Tickets and Your Insurance

Typically, out of state speeding tickets will affect your insurance the same way that an in-state ticket will.  This is because most states inform each other of traffic violations when they occur due to their participation in the Driver License Compact.  Currently, 45 states and Washington DC are part of this Compact and agree to report violations to the guilty driver’s home state.

However, not all states participate in the Compact.  Currently, the states of Georgia, Massachusetts, Michigan, Tennessee, and Wisconsin have not formally agreed to this sharing of information.  While some of these states will still report a ticket to your local violation, they are not required to do so.

Bottom line; if you receive a speeding ticket while driving out of state, then you should expect this violation to increase your auto insurance rates.  Do you have more questions about your car insurance?  If so, then contact the experts at ISU-Wissink Insurance.  We are ready to assist you with all your car coverage needs today.

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