How many points can you get on your drivers license before your insurance rates increase?

Answer 1

That depends on a lot of factors. Most insurance companies now increase rates for any points I believe. The thing is, unless you change companies, most only run your DMV report every year or two so you'll get a grace period unless you do a company change or possibly add a vehicle. In the good old days, before computers told everything to everybody, I got a letter from the state, telling me I was 2 points away from suspension, in the same month I got a safe driver discount on my car insurance renewal.

Answer 2

Each insurance company is different and the rules differ from state to state.

Some states also track written warnings and pass that to the insurance companies. Even though no points are involved you could still get hit with a rate increase for an excessive number of warnings.

Answer 3

You don't necessarily have to have pts. on your license for your insurance rates to go up. It can happen other ways depending on your insurance provider.

Say for instance your car was parked in a parking lot. You come out of a store and see extensive damage to your car and report it to your insurance company. They pay for your repairs, but the next time you re-new your insurance, the rate has increased because you made a claim.

Bottom line is, if it cost the insurance company money, it's possible they are going to pass this expense along to you. Not all insurance companys do this, but they can.

Answer 4

The best answer is zero. Of course it varies by state and depends if they are moving violations. But do you best to have no tickets if you want lower rates.