What Drivers Need to Know About Points on Their Records

What happens when a driver gets a citation? There are the obvious, immediate effects—having to pay the fine, for example. But there are other effects down the line that can lead to an insurance premium increase or even a loss of license. What's the real story behind points, and what can drivers do to minimize the damage?

Points on the Driving Record

Most states, but not all, use points to keep track of the quality of motorists' driving. In states that track such things, most moving violations (e.g., speeding, failing to make a complete stop, reckless driving) and at-fault collisions will add points to a driver's record. The point scales vary widely from state to state, but it's generally the case that more serious violations are assigned higher point values.

Points remain on the record for one to ten years. Again, this varies widely, but it's generally the case that points assigned for more serious violations will remain on the record for longer periods of time. And all those points can add up! Drivers who accumulate "too many" points (this determination, again, varies widely by jurisdiction) can face a "licensing action"—suspension or revocation—from the licensing authority in their state.

Insurance Premium Increases

Auto insurers monitor their policy holders' driving records and modify premiums accordingly—drivers with more points will pay more for insurance. But, while licensing authorities and insurers both use point systems, it's not necessarily the same system. Some insurers merely monitor insured drivers' records and assign points for various infractions based on their own point structures.

What Can Drivers Do?

Drivers who get a ticket or otherwise accumulate points on their driving record do have some recourse. Many states allow drivers to complete a defensive driving course to dismiss or mask violations from their official driving records, with the exception of major offenses like DUI. And drivers are wise to take advantage of such programs: An analysis published by Insurance.com found that just a single violation led to an average auto policy premium increase of 18%! But, again, the rules vary, so drivers are encouraged to get the details from the licensing authority and/or state insurance commission in the state where they reside.


For more fun facts about points, check out "10 Things You Need to Know About Driver's License Points" from Insurance.com.