Auto Insurance Increase Because of Out of State Speeding Ticket

Reader’s Question:

My girlfriend was driving in Virginia and received a ticket for going 83 in a 65. She is from Delaware. Since the violation happened in another state, will this reflect on her driving record? Will this increase her auto insurance rate in Wilmington, Delaware?

Nicolas

Wilmington, DE

Your home state Delaware (DE) and Virginia (VA) are both members of the Drivers License Compact (DLC). This compact requires its member states to report out-of-state moving violations committed by a person to his or her home state.

Driving for over 23 mph beyond the speeding limit is considered a 6 point offense in Virginia. On the other hand, speeding over 20 mph in Delaware is given a 5 point offense. In addition, if a driver is found to be driving 20 – 24 miles beyond the limit, the DE Department of Motor Vehicles (DMV) would send a letter of advisory to the driver.

Since your girlfriend was ticketed in Virginia for over speeding, the Virginia DMV would report to Delaware DMV her traffic violation. The Delaware DMV includes on a driver’s record all the traffic violations committed whether it happened in Delaware or out-of-state. However, it does not say though if there would be points assigned if a traffic violation is done out-of-state.

You must remember though that auto insurance rate does not depend on the points given to the driver per se but to the violation itself. Since there was indeed a violation for over speeding committed by your girlfriend, there is a possibility that this would increase her auto insurance rate but that still depends on her insurer. If she sees an increase on her car insurance premium, I would suggest shopping for affordable car insurance rates in Wilmington, DE through our website.