Will a speeding ticket from another state affect your auto insurance?

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Dec 21, 2016

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Here's what you need to know...
  • In the past, an out of state ticket had no impact on your driving record or insurance
  • Today there are several databases that help states keep track of all types of citations
  • Always pay an out of state ticket or you could face more serious consequences

For many years, you could get a traffic ticket in a state other than the one you lived without it affecting your car insurance or your driving record.

The violation seemed to have never occurred because there was no cross-reporting between states for such information.

In fact, quite often out-of-state tickets even went unpaid and completely ignored with no repercussions.

These days, however, things are very different. Read on to learn about some of these changes.

Then be sure that you have the cheapest car insurance possible by using our free tool for doing car insurance comparisons!

The Databases Have Changed It All


Different databases have made it practically impossible for your moving violations in another part of the country to be left behind.

These databases will report your violations to your home state, and they will then become a part of your driving record and visible to your insurance company.

The newest database is called the Driver License Agreement (DLA) cross-reports between all the American states, Canada and Mexico.

The DLA is a combination created by the administration of the Driver License Compact, Non-Resident Violator Compact and American Association of Motor Vehicle Administrators.

The Driver License Compact (DLC) is the reigning database for now and almost all the U.S. states are members.

If your state is not part of the DLC, when you get a ticket, the information is reported back to your home state. Your state will then treat the ticket the same way it would if you got it in your own state.

The National Driver Register is a database which is completely computerized and focuses on providing information on drivers with very serious violations on their record.

Typically, if you have lost your license or gotten an impaired driving conviction, or experienced another type of serious moving violation, your name will appear on the NDR.

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Ways You Can Reduce the Impact of Speeding Tickets from Another State

Be sure to pay your ticket promptly, so that it doesn’t appear as an unpaid ticket. If it is not paid, you may need to appear in court, which may mean you incur additional travel costs.

Failing to appear in court could result in additional charges and higher fines.

If you get a speeding ticket in another state, be proactive about it and make sure you are clear about how much it is and when you have to pay it.

Find out if you can take a driver training course to reduce either the cost of the ticket or the demerit points assigned to it.

In many states, successful completion of such courses will allow you to nullify the effects of a speeding ticket.

Getting a Deal on Auto Insurance Following


If you get a speeding ticket from another state, your auto insurance costs are likely to rise.

However, you always have the freedom to shop around and find the absolute best deals for your car insurance needs.

Get started quickly and easily with an online car insurance quote tool which will provide you with multiple quotes from insurers serving your state.

Find the best car insurance rates for your needs today!

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