How much can points on your license impact your insurance rate in Michigan?

How much will points impact my insurance rate in Michigan? I have two points on my license from running a stop sign. How long will it be on my record?

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Emily Maracle
Answered on Jul 06, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“How the points on your driving record impact your rate will depend on your car insurance carrier. Rates and how your driving record influences them varies carrier to carrier.
However, in Michigan points stay on your driving record for two years. This means your insurance rate is likely to be higher for two years following the violation. Once they fall off your record, you may see your rates decrease as long as you’ve maintained a clean record.
If you’d like to see how your points will affect your rate, you should request car insurance quotes from multiple carriers. You’ll be able to see how carriers rate their policies and see what your average rate of car insurance may be.”
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