DMV Points: A Definition
Accumulating DMV points on your license can be costly not only because you can lose your license but it can raise your insurance rates as well. While not every state assesses DMV points it is important to have a basic understanding of them.
What Are They? - DMV points are used by various states to keep track of driver infractions. Drivers are assessed a number of points for every ticket they receive and if they accumulate a certain number of points within a certain timeframe they may have their license suspended or revoked. Not every state uses the point system and the number of points per offense varies by state.
How Points Affect Your License - If you accumulate a certain number of points in a given timeframe it can result in your license being suspended or revoked. Various offenses carry differing point amounts. Using the state of Colorado as an example: speeding 5 to 9 mph over the limit will result in 1 point but a DUI (Driving under the influence) will result in 12 points on your license. In Colorado if you accumulate 12 or more points in a year you risk losing your license. Point totals vary by state so it is important to check with your local DMV for your states guidelines.
Insurance Rates - Points on your license can also affect your insurance rates. Each insurance company gives different weighting to DMV points but the majority of them will raise your rates if you are assessed any points. Read your policy to determine how points can affect your insurance rates.
DMV points are not used by every state, but it is important to understand how they work and how they can affect your license and insurance rates. Keeping your license free of points will keep you driving as well as save you money.