Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Out of State Speeding Tickets and Auto Insurance Rates

A speeding ticket from another state may not negatively affect your auto insurance rates. Each insurance company deals with this kind of information differently.

How your auto insurance company is allowed to deal with an out of state speeding ticket may also depend on where you live as auto insurance is regulated on a state by state basis with many differences in auto insurance laws from one state to another.

Read on to learn all about out of state speeding tickets, car insurance rates, and various state regulations. Also, be sure to enter your zip above to find and compare free auto insurance quotes online!

Speeding Tickets and Your Driving Record

Your car insurance company can pull your driving record as part of the process it goes through to determine the level of risk that you present as an insurance customer. Speeding tickets and other infractions that you get in your home state will appear on your record if the incident there. Out of state incident may or may not be added to your driving record.

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Out of State Speeding Tickets

Most states have an arrangement where they share information about driving incidents with each other. Some of them automatically provide the facts about the driving infraction to the Department of Motor Vehicles in your home state. The amount of information provided does vary, depending on the states involved, and not all states will reveal whether you accumulated demerit points because of the stop for speeding. If you receive the speeding ticket in one of these jurisdictions, your insurance company could find out about the incident.

Paying More after a Ticket

If your insurance company doesn’t have access to the information about your speeding ticket, the fact that you were stopped won’t affect the amount you will pay for your car insurance. You can’t assume that your insurer won’t be able to access this information. Depending on the insurance company, you may not have to pay more for a speeding ticket, no matter which state the infraction occurred in.

Some insurers will forgive a first speeding ticket, so you won’t be faced with paying more for your coverage based on that incident. There may be other reasons why an insurance company may increase your rates when it’s time to renew your policy, though.

Some states have laws in place governing when an insurance company can raise rates for its customers. The insurer can’t increase prices while the policy is in effect, for example. In those states, the insurer may only be allowed to increase its prices for specific reasons.

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Rates May Increase at Policy Renewal

If you happen to live in a state where your insurance company is able to raise rates because of a speeding ticket, any changes to your pricing will come into effect when the policy is being renewed. You will receive a notice of the price change before the renewal date. This is good because it gives you time to consider other options.

If you are wondering if you can get better pricing for your coverage even though you have a speeding ticket, you can take the time before your current policy expires to compare rates from other companies. If fact, any time your policy is up for renewal you should compare rates from other car insurance companies.

An insurance company will consider your driving record as part of determining how risky you are to cover as a potential customer, but one speeding ticket may not be enough to mean that your insurance coverage will increase as a result. The insurer may be more concerned about accidents you have been involved in and how much damage they caused when deciding whether to offer coverage or to deny to insure you. If you are concerned about how your speeding ticket will affect your rates, you can consider going to traffic school to demonstrate that you will be more responsible going forward.

An insurance company may get more information about the incident and make its decision based on the seriousness of the event. Other insurance providers charge a certain amount for every time one of its customers gets a ticket. The fact that you may have been only slightly over the speed limit won’t matter for insurance purposes. In that case, you will be faced with paying for the cost of the ticket, as well as the higher insurance rates going forward.

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Shop Around to Find the Best Rates

The best course of action is to drive under the speed limit, but if you do happen to get a speeding ticket in another state, it may not affect your rates. In a case where your insurance company has decided to raise your rates after the incident, you have the option of shopping around for better coverage.

To see what other options you have, why don’t you click on the free car insurance tool on this page? It’s easy to do and you can see pricing from several insurance companies right away.

Enter your zip to start comparing free insurance quotes now!