Will a speeding ticket from another state increase my insurance?

Will the speeding ticket I received in Tessessee impact the rate of my Louisiana insurance policy? When I was on vacation a few months ago, I got a speeding ticket in Nashville. I honestly forgot about it until my friend reminded me a few minutes ago and I have no idea what to do! I don't know where the ticket is and I don't remember getting anything in the mail.

“Most of the time, the answer will be yes; it will impact the rate of your car insurance policy, but you may have gotten pretty lucky.
Insurance companies run motor vehicle reports every six to 12 months to search for new violations. The reports automatically search every state in the country except for the following five:
  • District of Columbia
  • Georgia
  • Massachusetts
  • Michigan
  • Tennessee (you lucky duck!)
The other 45 states are part of the Driver License Compact. This is a law where all of the states share license information and traffic violations with each other so that drivers can be held accountable for their actions.
In this particular case, your insurance company and local DMV may never find out about the ticket. However, if for some reason they do, you will be surcharged accordingly.
Another issue is that the ticket in Tennessee is still outstanding. If you happen to be pulled over anywhere in the state again, you may have your car impounded until the fines are paid.
It is in your best interest to call a Tennessee DMV and see if you can pay any outstanding fines over the phone.
You’re lucky Louisiana likely won’t find out because speeding tickets increase your car insurance premiums. Even though you’re not going to see your rates increase because of that ticket, it doesn’t hurt to verify that you’re getting the best rates. You could be overpaying for car insurance and not even know!
Use the smart-comparison Jerry app to compare rates from the nation’s top providers. Jerry does all the hard work of pulling quotes and delivers the best deals to your phone in minutes. And best of all–it’s free.”
Shannon Martin
Answered on Aug 27, 2021

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