How Do Points on Your License Affect Car Insurance Rates?

Driving is all about freedom, but when it comes to moving violations, your mistakes can count against you. Your driver record reflects what kind of driver you are, and if you’re in the habit of getting a lot of tickets and being involved in accidents, you may end up with points on your license if your state is one of many places that use a point system to incentivize better driving.

Too many points can lead to a point suspension, and you may have to go to traffic school and pay a reinstatement fee to get your suspended license back. The good news is that points aren’t forever—after a few years, those violations will not count against you. In the meantime, you can limit the financial damage by comparing the cheapest car insurance quotes.

What are driver’s license points?

A point is a number that your state assigns to a traffic offense. The worse the offense, the more points it’s worth. If you receive too many points within a certain time, your driver’s license will be suspended. Some offenses, like speeding, are assigned different numbers of points based on how egregious the offense was.

The more miles per hour over the speed limit you were traveling, the more points are based on your license. Other offenses, like DUIs, have a set number of points for all violations of that type. These points typically stay on your record for two to three years for lesser offenses, while more severe offenses stay on your record for up to 10 years.

Most states have a points system for traffic violations. It incentivizes good driving by giving bad drivers negative points on their licenses. Every state conducts its points system differently, but one thing is the same—you don’t want points on your license.

Some of the most common traffic offenses that add points to your license include:

• Speeding

• Reckless driving or careless driving

• At-fault accidents

• Failure to stop for a school bus

• Failure to obey a traffic control device (a stop sign or a red light)

• Improper passing

• Driving under the influence (DUI) or driving while impaired (DWI)

• Leaving the scene of an accident

• Failure to yield right of way

• Other moving violations

Some violations, such as parking tickets and so-called “fix-it tickets” for things like broken tail lights, don’t add points to your license. You can keep them off your record if you can prove you fixed the problem and have the proof of correction confirmed by a DMV clerk, a police officer, or another authorized person.

If it’s too late and your license has been suspended, the state will advise you of the date you can drive again. Most states require a reinstatement fee and an application. If you don’t follow the correct procedures, your driver’s license suspension will continue, so make sure you’re following the rules that your state sets.

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How Driver’s License Points Affect Car Insurance Rates

Car insurance companies don’t actually use DMV point systems. Many people believe they do, but this is a common misconception. Insurance companies actually use their own system of points to figure out how much they will raise your premiums depending on the severity of the violation.

Some offenses, like DUIs, are viewed very seriously by insurers. Others vary. For example, some insurance companies weigh traffic tickets for things like speeding more heavily than others. It may be possible to shop around and find a company that doesn’t penalize drivers quite so much for the infractions you’ve committed, leading to lower car insurance rates.

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States with Driver’s License Points Systems

Many states have points programs and use driver’s license points to track driving behavior. Points appear on your record when you break driving laws. The points fall off your record after a period of time, or in some states, they can be removed after you take a points reduction course.

Most states use a driving points system, but these nine don’t:

• Hawaii

• Kansas

• Louisiana

• Minnesota

• Mississippi

• Oregon

• Rhode Island

• Washington

• Wyoming

Even though these states don’t use a points program, they do still penalize drivers who frequently violate traffic law. The following states do use a points program. Here’s our guide to what it takes to have your driving privileges suspended in each state.

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Tips for Cheaper Car Insurance with Driver’s License Points

Take Action to Remove Points

Don’t have time to wait for points to expire? Many states will let you take driving classes to reduce your point total or avoid having points assessed in the first place. Usually, a judge or other court official will let you know of your eligibility for this option.

Drive Safely

If you can’t have points removed, another option is to simply drive safely until the points expire. Most states deduct points after a while if you show driver improvement by not getting any further violations. Insurance companies will notice that you have a safe driving record and may reduce your costs accordingly.

Compare Car Insurance Quotes

Use free online tools like Insurify to compare car insurance quotes from different companies. You may find a company that offers similar insurance at a better rate. Affordable car insurance is possible if you know where to look. By comparing quotes, you’ll find the cheapest quotes, even if you have points on your driver’s license.

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The Best Way to Save on Car Insurance

No matter how many points you have on your license, the best way to save money on car insurance is to compare quotes from different insurers. Insurify makes it easy by bringing together all the top insurers in one place. Compare auto insurance quotes today and find the best and cheapest car insurance premiums for your unique driver profile.

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