Should you pay a speeding ticket for going 80 in a 65 mph zone in Ohio if you have a New Jersey driver's license only if it is not going to affect your insurance?

Moral obligation to do the right thing aside, the history of the ticket will appear on your driving record, regardless of what state license you hold and where you got the ticket. When you don't pay it, it will be reflected on your driving record and eventually your license will be supended. When your license is supended, your insurance will drop you, which is much worse than your rates going up. Someone out there loves you or the person you endager - drive safely.