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Do warnings go on driving records?

I was recently pulled over for speeding and instead of issuing me a ticket, the police officer let me off with a warning. Will that show up on my driving record?

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Jason Tushinski · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
While it’s possible a speeding warning can show up on your driving record, it is unlikely to negatively affect you or your insurance rate.
Here’s what usually happens if a police officer gives you a warning (instead of issuing a ticket) after pulling you over: 
  • Verbal warning: Nothing will happen if the officer didn’t formally write a warning and file it with their department. Your insurance rate won’t be impacted, and the warning won’t appear on your driving record—so breathe easy. But don’t assume your luck will hold if you’re caught speeding again.
  • Written warning: If an officer issues you a written warning after pulling you over, there is a chance it will end up on your driving record. There is also a small chance that this can impact your insurance rate—but if one speed warning is all that’s on your record, your insurer is unlikely to boost your rate because of it.
MORE: The traffic tickets that have the greatest effect on your car insurance rates
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