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Effect of Traffic Offenses on Driver License and Insurance

Charge

Effects on License

Insurance Points

DWI

Revocation

12

Death by Motor Vehicle

Revocation

12

Racing

Revocation

10

Speeding to Elude Officer

Revocation

10

DWLR

Revocation

8

Driving While Intoxicated

Revocation

12

Careless & Reckless

4

4

Hit and Run

4

4

Passing a School Bus

5

4

Speeding over 75 in less than 70 zone

Revocation

4

Speeding over 80 in a 70 or greater zone

Revocation

4

Following too Closely

4

2

Accident with Damage $1,800 - $3,000

Revocation

2

Speeding 10 miles over between 55 and 76 mph

3

2

Speeding 10 or less in zone 55 or above

3

2

Speeding 9 miles over in zone less than 55

2

1

All other Moving Violations

2

1

Failure to Stop at Stop Sign/Red Light

3

1

No Operator's License

3

1

No Operator's Insurance

3

1

Speeding in School

Zone

3

1

Failure to report accident

3

 

Three-Year Insurance Increase

Number of Insurance Points

Insurance Rate Increase

1

25 %

2

45 %

3

60 %

4

80 %

5

105 %

6

130 %

7

160 %

8

190 %

9

225 %

10

260 %

11

300 %

12

340 %

No Insurance Increases for:

•Prayer for Judgment Continued

•Non-moving violation (Improper Equipment)

•Speeding 10 miles over or less, NOT in a school zone, and NO traffic violations in last 3 years

"Improper equipment" does not add points to license or insurance. This does not mean that it does not affect on your license or insurance. It goes on the driving record and may also affect eligibility for certain insurance discounts. Insurance agents routinely access driving records and "improper equipment"  is, of course, not invisible.


Insurance rates do not increase for the first conviction for speeding less than 10 mph in excess, in a 3 year period, for the whole insurance policy (including other drivers).


When an insurance company pays on a claim, they normally increase the premium.
So if your are at fault in a wreck, get charged with failure to reduce speed or similar offense, insurance pays the claim, and the misdemeanor or infraction charge gets dismissed, the insurance rate will still probably go up. Getting the dismissal helps but does not solve the insurance issue. (If the you got convicted of the misdemeanor or infraction in addition to the insurance paying the claim, the rate will probably increase at a higher rate.)


Some policies may have certain provisions such as “first time forgiveness” or the like that will shield you from certain negative effects, but you will need to discuss these questions with your insurance agent.
For more information about insurance points click here.

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