Lilah Butler, Car Insurance Writer
@lilah_c
Points stay on your license for six years in Massachusetts. Driver's license points in Massachusetts do not relate to license suspensions, but they are used by insurance companies to surcharge premiums according to a system called the Safe Driver Insurance Plan (SDIP). Insurance companies are also allowed to use their own surcharge system if the state approves.
How SDIP Points Work In Massachusetts
- SDIP points can affect the cost of liability coverage, personal injury protection, and collision insurance.
- Drivers who have been licensed for less than six years will see a 7.5% increase in their insurance premiums for each point.
- Drivers with more than six years of experience will be surcharged 15% per point.
For example, a major at-fault accident would result in four SDIP points, so a driver with seven years of experience would have their premium for each coverage type listed above increased by 60%.
Even though Massachusetts will not suspend your license based on SDIP points, the state can still revoke your driving privileges if you commit serious or repeated moving violations. For instance, drivers can have their Massachusetts license suspended if they receive three speeding tickets in 12 months or commit three major violations in five years.
To learn more, check out WalletHub's guide to points on your driver's license.
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