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Insurance Points for Traffic Offenses

Insurance Points for Traffic Offenses 2009-07-09T07:47:24+00:00

12 POINTS:

  • Manslaughter or Negligent Homicide
  • Prearranged Highway Racing or Lending a Car for Prearranged Highway Racing
  • Hit-and-Run Resulting in Bodily Injury or Death
  • Driving with a Blood-Alcohol Level .08 or More
  • Driving Commercial Vehicle with a Blood-Alcohol Level .04 or More
  • Driving While Impaired
  • Transporting Illegal Intoxicating Liquor for Sale

10 POINTS:

  • Highway Racing or Lending a Car for Highway Racing
  • Speeding to Elude Arrest

8 POINTS:

  • Driving During Revocation or Suspension of License or Registration

4 POINTS:

  • Reckless Driving
  • Hit-and Run Resulting in Property Damage Only
  • Passing a Stopped School Bus
  • Speeding in Excess of 75mph when the Speed Limit is Less than 70mph
  • Speeding in Excess of 80mph when the Speed Limit 70mph or Greater
  • Driving by a Person Less than Age 21 after Consuming Alcohol or Drugs

3 POINTS:

  • At-Fault Accident Resulting in Death, or Bodily Injury, or Property Damage Only of $2,500 or More

2 POINTS:

  • Illegal Passing
  • Following Too Closely
  • Driving on Wrong Side of the Road
  • At-Fault Accident Resulting in Property Damage in Excess of $1,500, but Less than $2,500
  • Speeding More than 10 mph Over the Speed Limit Provided the Total Speed is in Excess of 55 mph, but Less than 76 mph
  • Speeding 10 mph or Less in Excess of Speed Zone of 55 mph or Greater

1 POINT:

  • All Other Moving Violations
  • At-Fault Accident Resulting in Bodily Injury of $1,500 or Less, or Property Damage of $1,500 or Less
  • Speeding 10 mph or Less in Excess of Speed Limit of Less than 55 mph

Insurance Points Will Cost You Money

1 POINT = 25% INCREASE 7 POINTS = 180% INCREASE
2 POINTS = 45% INCREASE 8 POINTS = 220% INCREASE
3 POINTS = 65% INCREASE 9 POINTS = 260% INCREASE
4 POINTS = 90% INCREASE 10 POINTS = 300% INCREASE
5 POINTS = 120% INCREASE 11 POINTS = 350% INCREASE
6 POINTS = 150% INCREASE 12 POINTS = 400% INCREASE