How much will six points on my driver's license affect my insurance rate?

How much will six points on my license cost me? I live in upstate NY and recently was convicted of a speeding ticket. The judge said he was adding six points to my license! I have always had a good driving record, but now I am worried that my car insurance will be unaffordable or that my policy will cancel.

Answer provided by
Shannon Martin
Answered on Jul 03, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
Points on your driver’s license and insurance points are two different things that commonly get confused.
The NY DMV has a chart that determines how many points you will get on your driver’s license depending on the violation you are convicted for. If you accumulate 11 or more points in an 18-month period, your license will be suspended.
Your insurance carrier uses a point system as well, but the two are not related at all.
There are times when the judge will waive your first speeding ticket and the state says there are no points on your driver’s license, but your insurance policy will have points since they rate your driving behavior.
In most cases, speeding tickets will be two insurance points and will increase your policy for three years.
The rate of the surcharge will be different for every policy and carrier.
Unless you have several other incidences on file with your carrier, your policy will not be canceled.
If the rate is more than what you can pay, shop for cheaper car insurance. Not all carriers will rate you the same.”

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