Vehicle Insurance

3 Points on License Insurance

Most states in the United States have a point system for measuring the driver’s obedience to the laws. Only nine states don’t use the point system. While the use of the point system is very common, each point system works differently depending on the state. One thing that is pretty much the same everywhere is how the points affect the insurance premiums.

Since the insurance companies value the risk and offer a price based on it, you may end up paying more to insurance if you have points. Generally, most traffic violations will add a point to your driver’s license. If you don’t know whether you have any points on your license or not, you can check it on the DMV website.

Check Points on Driver’s License

You can check how many points you have on your driver’s license by vising the DMV website of your state. Every state’s records are kept differently. If you drive in multiple states which is the case for most truck drivers, it is best to check license points for multiple states before shopping for insurance.

Impact of 3 Points on Driver’s License to Insurance

Having 3 points on your driver’s license will definitely impact the price of car insurance premiums. On average, 3 points will make you pay about 20% to 50% more than someone with no points on their driver’s license. However, some states erase points on license after a certain period of time while some never do.

As for how you can get three points on the driver’s license—again, it depends on the state. But for the most part, here are the most common reasons one can get three points on the driver’s license.

  • Failure to stop at a red light
  • Speeding 5 to 15 miles an hour over the speed limit
  • Child safety restraining violations

States Without Point System on Driver’s License

  • Hawaii
  • Kansas
  • Louisiana
  • Minnesota
  • Mississippi
  • Oregon
  • Rhode Island
  • Washington
  • Wyoming

Only the states listed above do not have a point system on the driver’s license. How the insurance premiums are going to be affected mostly depends on the prior violations. For example, in Wyoming, drivers are required to take classes if you are convicted of offenses. This stays on your record and will ultimately affect the insurance prices.

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