Car Insurance Rate Washington
Reader’s Question:
If I received a ticket from another state and not in my home state in Washington, will that increase my car insurance rate?
Henry
Bellevue, WA
Your insurance rate may increase if you received a conviction for a traffic violation outside of the states you live in. However, a rate increase due to out-of-the-state violation depends upon the different factors such the rating system of the insurance provider and the how the state deals with outside traffic citations.
Georgia, Massachusetts, Tennessee, Michigan and Wisconsin are the only states in the US that are not members of the Drivers License Compact. As DLC members, states are required to report out-of-state convictions of drivers to the state where the person is licensed. The 5 states
that are not DLC member still share this information with other state since these states have their own set of agreements.
An out-of-state tickets may or may not be placed on your homestate driving record. If state opts to place the ticket on your driving record, your insurance provider will eventually find
out once they see your MVR. If the state chooses not to place the ticket on your homestate driving record, the insurance company will not see this unless they do an extensive ticket search where you will have to list this out-of-state citation
Whether or not your insurance rate will increase because of this out-of-state offense will depend upon the rating system of the insurance provider. You can contact your agent for more information about the rating system. You can contact your state DMV to check if an out of state offense will be placed on your driving record.
Will Out of Town Speeding Ticket Affect Car Insurance Rates?
Reader’s Question:
I received a ticket in Arizona and I just want to know if how much this will affect my insurance rate in where Im licensed, Washington. Thank you.
Carmi
Thank you for asking Carmi.
Washington and Arizona are both members of the Drivers License Compact. This means that the Arizona courts will share your traffic ticket and violation back to the Washington Department of Licensing (DOL), your home state.
The WA DOL site states that they keep a record of traffic violations, convictions for vehicle violations and for failure to appear or respond to traffic citation on every motorist in the state. This information is obtained by clerk of the courts and licensing agencies so it would show that the out of state information reported to the DOL would also be put on your WA driving record. You may check with the DOl to get more information about this..
If the Arizona traffic ticket is placed on your WA driving record then your insurance provider will be able to see it the next time they pull up your motor vehicle record (MVR). You may contact your insurance company to find out how much this violation can affect your insurance rate.
Goodluck!
MariCAR
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