“Points” on a driver's license are marks added to a driver's record after certain traffic violations. Many states use a point system to monitor driving behavior, and accumulating too many points within a specific period may lead to consequences such as a driver's license suspension. Understanding what points on a license are and how they work can help drivers make informed decisions about how traffic violations may affect their driving record and auto insurance.
How do point systems work?
State departments of motor vehicles administer driver license points, but the rules vary from one state to another. When a driver is convicted of a qualifying traffic offense, a specific number of traffic violation points may be added to the driving record. In many cases, more serious violations result in more points than minor offenses.
Common violations that may result in points include:
- Speeding
- Running a red light or stop sign
- Reckless driving
- Certain at-fault accidents
- Distracted driving violations
- Convictions for driver under the influence of drugs or alcohol
The number of points assigned to each violation, as well as the number of points that may trigger penalties, depends on state law. Drivers should review the requirements for the state where their license was issued.
How do points affect auto insurance?
Many drivers ask, “How do points affect car insurance?” In some situations, points and car insurance are connected because insurers often review a driver's history when providing a quote or renewing a policy.
According to the Insurance Information Institute, drivers with at-fault accidents or serious traffic violations are generally more likely to pay higher auto insurance premiums than drivers with clean records. A history of multiple violations may also influence whether an insurer offers a policy renewal. Because every insurance company evaluates risk differently, the impact on premiums can vary.
How long do points stay on a driving record?
The answer to this question is not simple. It depends on state law and the type of violation. Some points on driver’s license records may remain for several years, while others may be removed sooner.
In certain states, completing a state-approved defensive driving course may reduce driver license points or provide other benefits. Eligibility requirements and point reduction rules vary, so drivers should check with their state's motor vehicle agency.
To learn more about how driving history may affect your premiums, read about the factors that affect car insurance rates on the Infinity Insurance Agency, Inc. (IIA) Knowledge Center.
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