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Do points on your license actually affect you?
I've heard that points can make your insurance go up. Is this true? What other impact do points have?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Having points on your license can impact you in several ways, so it’s important to understand what they do.
First, points will often increase your
car insurance
rates. Depending on how many points you have, certain companies may also decline to insure you. When you don’t have a clean driving record
, you are considered a higher risk to car insurance companies. Your rate will reflect the risk they are taking to insure you. Secondly, your license can be suspended depending on your state’s rules. For example, in Ohio, you can have a maximum of 12 points in two years. If you end up with more than 12 points, your license will be suspended.
If your license is suspended, you may face additional fees and requirements to reinstate it. You could end up needing an
SR22
, which would also increase the cost of your insurance.Since some companies may drop you or increase your rates, you should consider an insurance company that offers defensive driving classes. Do some research and hop on the
Jerry
app. Here you can compare dozens of quotes to get the best rate possible and you may even find a few discounts for taking classes.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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