Will a Speeding Ticket From out of state Affect my Car Insurance in Texas?
Reader’s Question:
I live in Houston Texas. Will a speeding ticket that I received in Louisiana can affect my car insurance here in Texas?
Viktor in Houston TX
Viktor, Texas and Louisiana are both part of the Drivers License Compact. This means that they share information regarding any moving violation of the license driver. So if you received a speeding ticket in Louisiana, this means that that they will notify the state of Texas (where you are licensed) regarding your moving violation.
The Texas Department of Public Safety states that all out of state traffic tickets will be placed in your driving record.
According to Texas Department of Insurance, auto insurance rates should be reasonable, sufficient and not excessive to the risk for which they apply. It should also be unfairly discriminatory. Car insurance companies have different ways of determining car insurance rates and they submit this to the Texas Department of Insurance for review.
Since, moving violations are placed on your driving record, your car insurance company will be able to see the violation that was placed on your driving record when they check your MVR. Your car insurance company has their own specific rating system and it will depend on this rating system if the speeding ticket that you receive in Louisiana will affect your car insurance rates.
If you want to know the rating system of your car insurance company, you can contact your car insurance agent or the Texas Department of Insurance.
So to answer your question, the speeding ticket that you received from out of state may affect your car insurance rates depending on your car insurance company so rating system.
Category: Reader Questions
