Lilah Butler, Car Insurance Writer
@lilah_c
If you get 12 points on your license, your car insurance premiums will likely increase and you might have your license restricted, suspended, or revoked, depending on your state. Driver's license points are used to track violations, so accumulating 12 points is a sign of increased risk for insurers.
Each state has a different threshold for how many license points lead to a specific penalty, but accumulating points is never good. The table below shows the consequences of having 12 points in the five most populous states.
Penalties for 12 License Points by State
State | Consequences |
License suspension (if points accrued within 36 months) | |
30 day license suspension | |
License suspension (if points accrued within 18 months) | |
License suspension |
Car Insurance Premiums for Drivers with 12 Points
The exact amount that your premium increases after accumulating 12 points will depend on your state, insurance company, and individual driving record. For example, one speeding ticket will increase your rate by 25% on average, whereas a DUI conviction will generally raise your premium by 79%.
Since each insurer treats violations differently, it's a good idea to compare quotes if you recently had points added to your license. Given the change in your risk factors, it might be cheaper to switch insurers rather than stick with your current company.
To learn more about how license points work in your state, check out WalletHub's complete guide.
People also ask
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To check how many points are on your license, you’ll need to request a copy of your driving record using your state DMV’s online portal, by mailing a request, or by visiting your local DMV in person. Some states allow you to check how many points are on your license for free, but other states charge a fee of $2 to $25.
How to Check How Many Points Are on Your License
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