Auto Insurance and Out of State Speeding Tickets

Here's what happens when you get out of state speeding tickets: your state DMV is notified, points are added to your license, and your car insurance rates may increase. You may also be required to appear in court in the state where you received the ticket. Learn more about your auto insurance and out of state speeding tickets in our guide below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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There was a time, a few years back, when drivers weren’t required to report speeding tickets received out of state. That is no longer the case. Now out of state driving infractions show up on your insurance. Ever since 2005 states have adopted uniform means of reporting traffic violations. So, if you get a ticket in another state, it will show up on your home-state driving record.

How It Works

Here’s what happens when you get an out of state speeding ticket:

  1. The infraction is reported to your state of residence.
  2. All points are assessed and the points are added to your existing driving record.
  3. Any time that you renew your insurance policy or attempt to get a new policy the violations will show up on your record and you could face an increase in rates, charged additional fees, or even denied coverage.

Increased Insurance Rates

Keep in mind that if your speeding violation is not excessive changes to your policy will not take place until your next policy renewal. Redeem the time and take a defensive driving course. This will give you a discount to offset any potential increases brought about by your speeding ticket.

Possible License Suspension

You could face a suspension to your driving privileges or a total revocation if you have an excessive amount of points on your license. It doesn’t always matter where you got the ticket; whether in your state or another state. You will not receive coverage from an insurance company if you operate a car while your license is suspended, even though you may be technically insured. Simply put, do not drive a car if your license is suspended even if you are insured.

How to Postpone the Inevitable

Since it can take up to 30 days for out of state driving infractions to show up on your record, a good tactic can be to renew your policy early or get car insurance quotes before the charges show up on your record. An early renewal in these cases can be your best defense.

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