Insurance Rate Increase Due to Points on a License

by Owen Pearson ; Updated July 27, 2017

If you have recently had an accident or driving violation, you may worry that this will affect your insurance rates. How do driver’s license points affect your car insurance rates?

Non-Chargeable Violations

At the insurance company’s discretion, some driver’s record points are considered “non-chargeable.” Minor violations, such as failure to wear a seat belt or driving with expired tags, may not affect your insurance rates.

Minor Violations

Minor violations will typically have a small impact, but they can be rated exponentially. If you have one speeding ticket, your rates might only go up 5 percent, but if you have four speeding tickets, your rates might increase 50 percent or more.

Major Violations

Major violations, such as driving intoxicated and reckless driving, can substantially impact your insurance rates. A single major violation can increase rates by 30 percent or more.

Age

Some companies charge more per violation for younger drivers than older ones. This is because younger drivers are more likely to repeat the same driving behavior.

Length of Time

A violation will typically affect your insurance rates for three years, or until the violation falls off your driving record.

About the Author

Owen Pearson is a freelance writer who began writing professionally in 2001, focusing on nutritional and health topics. After selling abstract art online for five years, Pearson published a nonfiction book detailing the process of building a successful online art business. Pearson obtained a bachelor's degree in art from the University of Rio Grande in 1997.

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