Points On License Insurance
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Just Got Points on Your License? Here's What Happens Next.

Most drivers don't know how many points they have, what triggers suspension, or how much rates will actually go up.

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Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

A bearded man in a dark shirt sits at a wooden desk using a laptop, with rolled drawings, papers, a pen, a phone and a desk lamp nearby, shelving behind him and a window showing trees at sunset.Non-Standard Auto InsuranceFor drivers with multiple points or violations who need carriers that specialize in higher-risk profiles. These carriers price competitively within the non-standard market and don't automatically reject based on point totals.A man in a dark jacket and black cap sits in a vehicle's driver seat, pulling the seat belt across his chest, with snow and bare trees visible through the side window and yellow hoses stored behind him.SR-22 InsuranceRequired only for specific violations like DUI, reckless driving, or license suspension in most states. If your violation requires SR-22, we identify carriers that file same-day and keep rates as low as possible.An open black mailbox with raised red flag holds cream envelopes, mounted on a post beside a stone wall and leafy plants, with a parked car and house blurred in the background.High-Risk Auto InsuranceFor drivers near or above their state's suspension threshold, or those with major violations. High-risk carriers accept profiles that standard and non-standard insurers won't, though rates reflect the elevated risk tier.Driver's-eye view from inside a vehicle at night, with two hands gripping the steering wheel, an illuminated instrument cluster, and a dark road with blurred lights ahead.Liability InsuranceState-minimum liability coverage to stay legal after a violation. If you're managing cost after a rate increase, minimum liability keeps you insured and compliant while you work on point reduction.

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A woman with gray wavy hair, wearing a cream cardigan, dark top and jeans with a brown leather shoulder bag, stands holding the open door of a dark car on a street lined with trees in low sunlight.

Stop Overpaying While Your Points Fade

Find Carriers That Accept Points

Frequently Asked Questions

Will my insurance company drop me because I have points on my license?

It depends on how many points and the violation type. Most carriers won't drop you for a single minor violation (1–3 points), but multiple violations or a major offense like DUI can trigger non-renewal. If you're dropped, non-standard carriers specialize in insuring drivers with points.

Do I need SR-22 insurance if I have points on my license?

Not usually. SR-22 is required for specific violations like DUI, reckless driving, driving without insurance, or license suspension — not for accumulating points from minor violations. If your violation requires SR-22, your state or court will notify you directly.

How long do points stay on my license and affect my insurance?

Points typically stay on your driving record for 3–5 years depending on your state and violation type. Insurance rate increases usually last 3–5 years as well, though some carriers begin reducing surcharges after 3 years if you avoid new violations.

Can I take a defensive driving course to remove points?

In most states, yes. Defensive driving or traffic school can remove 2–4 points or prevent points from being added, depending on state rules and eligibility. Completing an approved course can also qualify you for an insurance discount, offsetting some of the rate increase.