North Carolina is the only state with a statewide program for insurance points. This point system may be similar to the points system used in your state. The more points you have, the higher your insurance premiums will be. The more violations you have, the more “points” you receive. Insurers typically use a separate points system to track driving history. However, they indirectly raise car insurance premiums because they’re a reflection of your driving history. How Do Driver’s License Points Affect Insurance?ĭriver’s license points do not directly affect car insurance premiums. Some states do not use any type of points system. Instead, you only receive points for speeding tickets, reckless driving citations, and other moving violations.Įach state has a different points system. You do not receive points for parking tickets or other non-moving violations. In other states, your points disappear automatically after a certain period with no driving violations. Some states force you to pay to remove points. The more points you get, the more penalties you face.Īfter you receive a certain number of points, the DMV may suspend your license. More severe penalties come with higher points. Most states use points to track speeding tickets, at-fault accidents, and other violations. Final Word on Checking Driver’s License Points How Driver’s License Points Work.How Many Points is Each Violation Worth?.Other Tips for Checking Driver’s License Points.How Do Driver’s License Points Affect Insurance?.