Everything You Need to Know about Insurance Points

June 12, 2013

When it comes to insurance points, there are many things that you will need to know. Things like how you get points, what are considered violations to get points, how to reduce your points and how it affects your insurance will also be discussed. Each topic is very important to understanding the insurance point system.

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What Are Points?

Points are given to drivers who have driving violations or offenses. These points are handed out by the Department of Motor Vehicles. Realize that from state to state, the point system may differ slightly, or even greatly. You can only get a certain amount of points on your license at one time. Most states are around 11 points total, which can usually be a couple of "minor offenses." There are some actions that are major offenses that bypass points and just suspend your license. Typically, drivers who lose their licenses with point problems are those who accumulate points over time and don't get them reduced. The auto insurance point system is an important tool for insurance companies to determine how much to raise your rates because it shows poor driving. In most states, points are typically held on your driving record in the three to five year range.

Insurance Company Point System

Make sure you are aware that all point systems are different, but they are generally fairly close to each other. Below are sample point values for offenses. The more major the offense, the more points it will be on your license. Insurance points for speeding are one of the larger reasons for insurance points on your license. The more miles per hour you are over the speed limit, the more points it will be. Typically it is 1 point for speeding 1 to 10 MPH over, 2 points for speeding 11 to 20 MPH over, and so on. Anything over 40 miles above the speed limit is typically 5, or even more points. These points may be increased if for example you were driving like this in a school or work zone. There will be more points, as well as higher fines.

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How to Reduce Your Points

You can reduce points off your license by taking some certified defensive driving courses. It all depends on what insurance company you have though. Not only do defensive driving courses take away points, but it could qualify you for an insurance reduction, which may be needed if you see a rate increase due to your points. Another way to lower the points on your license is to go to court and fight your ticket. Many times you will be able to downgrade your offense if it isn't major, such as a speeding ticket. You can plea to an offense that has a higher fine, but places no points on your option. This is typically a very popular option.

Insurance Effects

For example, Allstate insurance points system allows for one accident to be forgiven, which can be a real big saver in points. This is the same for many companies. State Farm insurance points system, Geico insurance points system or any other insurance point system will allow for some of these forgiving times. They are also very harsh if you have a major accident though. They will be less forgiving, and surely raise your rates.

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State Differences

Depending on what state you are in, the point systems may be different. Here are some of the confusing states. Insurance points in NC are very important. They assign both insurance points and points on your license. If you accumulate 12 points, you will have your license suspended. The biggest piece of information here is that if you go over 15 miles per hour over the speed limit, your license can be suspended if you are a resident of North Carolina. For insurance points in NJ are also a little different, and it is a harsh system. If you refuse a chemical test, that is 9 points on your license. You can also get 5 points for tailgating, yet only 5 for reckless driving where most states make that an 8 or more point offense. Insurance points in CA are also very harsh. If you get even a single point, you can see your rates increase over 20%. If you have an abnormal amount of points, they may even not cover you. Insurance points in GA can have drivers under 21 have their license suspended for just a four point offense (ex. is driving 25 miles per hour over the speed limit). Georgia drivers can accumulate 15 points over a two year period, which is one of the shortest periods combined with the highest point totals, making it harder for them to take your license away.

Related Questions and Answers

What are the Best and Worst Records You Can Have on the DMV Points System?

The DMV points system is a way that the DMV keeps a record on the serious traffic offenses that drivers commit. Certain moving violations and other offenses drivers can get tickets for are charged a variety of points. This then adds up to a predetermined amount that causes a driver to lose their license. The best record a driver could have in the DMV points system would be having zero points because this would mean they didn't have any tickets or other violations. The worst would depend on how many tickets or offenses the person committed in the allotted time frame for your state.

Do You Get Added Driving Record Points for Driving with No Insurance?

Depending on the state your license is issued in, you can get several points for no insurance if you are caught driving without proof of insurance for your car or truck. For instance, in Maryland, driving without proof of insurance can get you 5 points on your driving record. Driving without insurance goes on your driving record no matter what state your license is from, but the actual amount of points assigned may be different depending on the state. You will also be subject to hefty fines and penalties.

Will an Unpaid Speeding Ticket affect Insurance and Driving Record Points?

If a driver has an unpaid speeding ticket, it could indeed affect both your insurance costs and put points on your driving record. Depending on your insurance company and, in some cases, how many years you have had a policy with them, your rates will probably go up if you don't pay your speeding ticket. Each violation is assigned a certain amount of points for both your driving record and your insurance rates. The more points, the worse it can be for both. If you get too many points, you can not only have your insurance go up, but you may also risk losing your driving privileges.

What are the Consequences of Getting 6 Points on a Drivers License?

If a driver gets 6 points on their license when they violate a related driving regulation, the points will be added to their driving record. Depending on their state, this could put a driver close to losing their driving privileges. Points accumulate over a period of time, and if enough are earned, privileges are revoked. Points are given for violation of things like running a red light, DUI, moving violations and other offenses. Depending on the state, getting 6 points could get you close to the amount needed to lose or restrict driving privileges.

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