One way or another, your insurance company will find out about traffic tickets you receive. This includes speeding tickets, even if you got them in someone else's car, because they are typically recorded on your driving record, which is checked by your insurance company.
Speeding Tickets Reported on Your Driving Record
When you get a speeding ticket, the violation is reported on your driving record. This is true even if you are driving someone else's car, because traffic tickets typically follow the driver, not the car. Since insurance companies routinely check the driving record of their insured drivers, usually during renewal time, this speeding violation will pop up. As a result, your insurance company will learn of the speeding ticket and may eventually increase your rates.
- CarInsurance.com: My Daughter Got a Speeding Ticket in Someone Else's Car; Will it Make My Car Insurance Rates Go Up?
- Rosenblum Law Firm: I Got a Traffic Ticket While Driving Someone Else’s Car – Am I Responsible?
- State Farm: When Someone Else Drives Your Car
- Esurance: Speeding Tickets and Car Insurance Rates
- Virginia Department of Motor Vehicles. "Moving Violations and Point Assessments." Accessed Jan. 24, 2020.
- Insurance.com."Traffic Ticket? How Much Auto Insurance Goes Up for 18 Traffic Violations." Accessed Jan. 24, 2020.
- Insurance.com."Auto Insurance Discounts to Ask For: Complete Guide." Accessed Jan. 24, 2020.
- Insurance.com. "Will an Accident or Ticket Increase My Car Insurance Rate?" Accessed Jan. 24, 2020.
- Insurance.com. "10 Things You Need to Know About Driver’s License Points." Accessed Jan. 24, 2020.
- Nevada Department of Motor Vehicles. "Demerit Point System." Accessed Jan. 24, 2020.
- State of California Department of Motor Vehicles. "What Is a Point?" Accessed Jan. 24, 2020.
- Allstate. "I Got A Speeding Ticket. Will It Affect My Insurance?" Accessed Jan. 24, 2020.
- Geico. "Learn More About Accident Forgiveness." Accessed Jan. 24, 2020.
- Insurance Information Institute. "Is It Legal to Drive Without Insurance?" Accessed Jan. 24, 2020.
- Texas Department of Public Safety. "What Is a Financial Responsibility Insurance Certificate (SR-22)." Accessed Jan. 24, 2020.
Based on the West Coast, Mary Jane Freeman has been writing professionally since 1994, specializing in the topics of business and law. Freeman's work has appeared in a variety of publications, including LegalZoom, Essence, Reuters and Chicago Sun-Times. Freeman holds a Master of Science in public policy and management and Juris Doctor. Freeman is self-employed and works as a policy analyst and legal consultant.