Lilah Butler, Car Insurance Writer
@lilah_c
Points stay on your license for 2 years in Georgia. After 2 years, points will fall off your driver's license and will no longer factor into your insurance rates or count toward a license suspension.
Key Things to Know About Points on Your License in Georgia
- Accumulating 15 points in 2 years will result in a license suspension in Georgia. Drivers might also be classified as high-risk to insure and be required to file an SR-22.
- Georgia's point system is designed to penalize drivers for unsafe behavior, and different moving violations will result in a different number of points. For example, driving 15-18 mph over the speed limit will result in two points, while aggressive driving will result in six points.
- In Georgia, even when the points for a violation expire after a certain period of time, the violation itself may remain on your driving record for longer.
Driver's license points are important because insurance companies check driving records to determine how much risk a driver presents. Customers with more violations on their record will be charged a higher premium since they are considered more likely to file a claim. But it's important to remember that insurance companies typically have a look-back period of just 3-5 years, meaning past mistakes will only factor into your insurance rates temporarily.
To learn more, check out WalletHub's guide to points on your driver's license.
People also ask
How do you check how many points are on your license in Georgia?
You can check how many points are on your license in Georgia by going to the Department of Driver Services website. Checking your license points in Georgia will cost you $6 ($8 for a seven year copy), since you will need to pay for a copy of your driving record.
Georgia uses driver's license points to track violations. Accumulating 15 points in 24 months will result in a suspended license. Insurance companies also check customers'...
read full answer by Lilah Butler, Car Insurance WriterWhat are car insurance points?
Car insurance points are how insurance companies grade each customer’s risk as a driver. All major auto insurance companies assign points based on certain behaviors from the driver, like filing accident claims or getting a speeding ticket. The points, in turn, help the insurance companies decide how much to charge drivers for a policy. The more points a driver has, the more they are likely to cost the insurance company, and the more they will...
read full answer by WalletHub, Financial CompanyWhat is SR-22 insurance in Georgia?
An SR-22 in Georgia is a certificate proving that a high-risk driver has the legal requirements for car insurance in Georgia. So-called SR-22 insurance raises annual car insurance premiums by roughly $138 in Georgia, compared to standard rates. In addition, there's usually a fee of $15 to $25 for your insurance company to file your SR-22 documentation with the state.
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