Q: Will my insurance rates go up if I get a speeding ticket?

A: A speeding conviction or other moving violation will be reported on your New York State driving record. If you are insured in New York, points on your license can affect your insurance. It is possible that your insurance company won’t find out, but the odds are that they will. The best way to keep your rates down is to get a good lawyer to negotiate to get you a reduction.

For out-of-state drivers, there is no simple answer. New York State reports some moving violations to the "Drivers License Compact", and this can affect insurance rates in your home state. This is inconsistent. In some cases the home state never finds out. We have seen cases where they do, especially speeding tickets showing up on New Jersey records. New York reports moving violations of Quebec and Ontario drivers directly to those provinces. Call us at 888-733-5299 to discuss how we can help protect your home state driving record.

For New York drivers who get out-of-state tickets, these generally will not affect you. The exception is tickets in Quebec and Ontario. However, it is always possible that your insurance company will find out, and if they do, your rates might go up.

When our lawyers negotiate plea bargains, we do our best to minimize the impact on your insurance rates. We will try to get you a reduction to a non-moving violation with no points, which does not affect your insurance. If that fails, there is at least one particular 2-point violation that does not affect insurance, and we will try for that. For out-of-state drivers, we might seek a reduction to something that has points in New York but not in your state or province.