How long do points stay on your driver’s license? [2024]
How long do points stay on your driver's license for speeding? It can range from one to six years, depending on your state. We explain the points system, what offenses garner points, how to find out if and how many points you have, and how those points could increase your car insurance rate by 41%.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Apr 17, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Most points will come off your license within two years, though more severe ones may stay on for life
- Sometimes, you can take a driving course to remove points from your license
- Vehicular offenses will hike up your car insurance premiums
Do points fall off your license? How long does it take for points to clear? The amount of time that point stays on your driver’s license will be entirely determined by the type of traffic tickets or driving offense committed, as well as the state in which it occurred. Generally, most points will fall off of your license within one or two years, but this also varies from state to state.
Serious driving offenses such as operating a motor vehicle while under the influence, evading a police officer, and driving 20 miles per hour or more over the posted speed limit can cause your driver’s license to be instantly suspended.
In the U.S., each state has a point system that determines when fines and other punishments can be accessed.
How much do points on a license affect car insurance rates? For example, in Delaware, drivers who receive 12 or more points within a year must attend driving behavioral modification courses. Any driver who refuses to attend will have their driver’s license revoked for a minimum of two months.
We’ll delve into the answer to, “How long do points stay on a license?” and their ramifications.
Find out how much you can save on your auto insurance rates across the U.S. by submitting your ZIP code above.
Driving Record Points Explained
Each state assigns points in different ways. For example, in California, they record points in the following manner:
When a police officer pulls a driver over and issues a traffic violation ticket, the receiving driver must sign the ticket to acknowledge it. The driver’s signature is also a promise to appear before the traffic court.
If the violation is a serious offense, the driver may be required to post bail.
Paying bail doesn’t imply a guilty plea. Rather, in a serious offense, the violator posts bail to ensure that they will appear before the presiding court as agreed.
However, if the violator fails to appear before the court after posting bail, the court considers the action as a guilty plea. Forfeiting bail in this instance is a serious matter. In doing so, the driver may also be required to pay additional fines or serve jail time for the violation.
Learn more about California’s driving laws in our article about California car insurance.
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How Points Determine a Driver’s ‘Negligent Operator’ Status
Because failure to appear (FTA) in court is a serious matter, the FTA goes on the driver’s record. When the driver fails to pay a fine (FTP), this information is also recorded on the driver’s file.
The Department of Motor Vehicles in California, similar to other states’ DMVs, may suspend the driver’s license. To reinstate their driver’s license, the offender must pay a reinstatement fee in addition to any fines assessed by the court.
Here are some additional facts concerning traffic violations in California:
- Every conviction goes on the driver’s record. Unfortunately, convictions for traffic violations in other states are also placed in the driver’s home state file.
- In California, the type of conviction on the driver’s record is assigned a certain number of points. Depending upon the severity of the conviction, these points remain on the driver’s record at least 36 months!
- In California, the driver is considered a negligent operator when they accumulate four points in 12 months, six points in 24 months, or eight points in 36 months.
How to Find Your State’s Driving Points System
If you’re wondering, “How can I find out how many points I have on my license?” the best resource for motorists who want to know about their state’s driving points system is their DMV. If you can’t go in person, you can also call or visit your state’s Department of Motor Vehicle website.
There, you will find the maximum number of points that can be received before the state’s DMV takes action. This can include having a warrant issued for your arrest.
You will need to go to the state’s DMV if you want to see how many points you currently have on your driver’s license. Requesting a driving abstract might take a couple of days, depending on where you live. You can also ask your insurance agent to review your most current driving record.
How long do DMV points stay on record? How long do 2 points stay on your license? Here’s an overview of the status of points depending on the state in which you live:
Driver's License Points by State
State | Points for Minor Traffic Violations | Points for Major Traffic Violations | Points Required for License Suspension | How Long Points for Speeding Stay on Your Driving Record |
---|---|---|---|---|
Alabama | 2 | 6 | 12 | 2 years |
Alaska | 2 | 6 | 12 | 5 years |
Arizona | 2 | 8 | 8 | 3 years |
Arkansas | 3 | 8 | 14 | 3 years |
California | 1 | 2 | 4 | 3 years |
Colorado | 1 | 4 | 12 | 2 years |
Connecticut | 2 | 5 | 10 | 2 years |
Delaware | 2 | 6 | 12 | 3 years |
Florida | 3 | 4 | 12 | 3 years |
Georgia | 3 | 6 | 15 | 2 years |
Hawaii | 1 | 2 | 4 | 3 years |
Idaho | 1 | 3 | 12 | 3 years |
Illinois | 5 | 7 | 15 | 4 years |
Indiana | 2 | 6 | 20 | 2 years |
Iowa | 1 | 3 | 6 | 5 years |
Kansas | 2 | 3 | 11 | 3 years |
Kentucky | 3 | 6 | 12 | 2 years |
Louisiana | 1 | 6 | 15 | 3 years |
Maine | 2 | 6 | 12 | 3 years |
Maryland | 2 | 5 | 8 | 2 years |
Massachusetts | 2 | 5 | 10 | 6 years |
Michigan | 2 | 4 | 12 | 2 years |
Minnesota | 1 | 4 | 12 | 5 years |
Mississippi | 1 | 5 | 12 | 3 years |
Missouri | 2 | 4 | 8 | 3 years |
Montana | 2 | 5 | 15 | 3 years |
Nebraska | 1 | 5 | 12 | 5 years |
Nevada | 1 | 4 | 12 | 1 year |
New Hampshire | 3 | 6 | 12 | 3 years |
New Jersey | 2 | 5 | 12 | 5 years |
New Mexico | 1 | 3 | 9 | 5 years |
New York | 2 | 5 | 11 | 4 years |
North Carolina | 1 | 4 | 12 | 3 years |
North Dakota | 1 | 6 | 12 | 3 years |
Ohio | 2 | 6 | 12 | 2 years |
Oklahoma | 1 | 4 | 10 | 3 years |
Oregon | 2 | 6 | 12 | 4 years |
Pennsylvania | 2 | 5 | 11 | 4 years |
Rhode Island | 2 | 6 | 12 | 3 years |
South Carolina | 2 | 6 | 12 | 2 years |
South Dakota | 1 | 6 | 15 | 3 years |
Tennessee | 1 | 6 | 12 | 1 year |
Texas | 2 | 6 | 6 | 3 years |
Utah | 2 | 5 | 200 | 3 years |
Vermont | 2 | 5 | 10 | 5 years |
Virginia | 3 | 6 | 18 | 5 years |
Washington | 2 | 5 | 12 | 5 years |
West Virginia | 2 | 6 | 12 | 2 years |
Wisconsin | 2 | 6 | 12 | 5 years |
Wyoming | 3 | 6 | 12 | 5 years |
As you can see, the answer to “How long do points stay on your license?” does indeed depend upon your state of residence. How long do points stay on your license in Massachusetts, or how long does it take for points to come off your license in MA? Six years, which is the longest in the U.S. (You can also see the answer to “how many points to suspense license in MA” is 10.)
How long do points stay on your license in VT? A little less than in MA — five years. How long do points stay on your license in Nebraska? Also five years. How long do points stay on your license in AZ? Three years. And how long do points stay on your license in South Carolina? Two years — although that’s not the lowest: Nevada and Tennessee are each one year.
Offenses That Can Cause a Driver to Receive Points
If the driver is determined to cause an “at-fault” accident or receives a traffic violation conviction, they may accumulate a single point on their DMV record.
If the driver is convicted of certain offenses, he accumulates multiple points on his record. These offenses include:
- Causing a hit-and-run accident
- Changing lanes without a signal
- Driving on the wrong side of the road
- Driving without a seat belt
- Driving under the influence (See our article DWI vs. DUI: What Is the Difference?)
- Driving without a valid license (suspended or revoked license, or without a license)
- Evading a police or peace officer
- Failing to listen to the commands given by a police officer
- Speeding
If a driver accumulates multiples offenses within the one-to-three-year period, they may lose their driver's license in California and most other states in the U.S.
Brad Larson Licensed Insurance Agent
According to author and attorney David Brown of Fight Your Ticket and Win in California, some serious offenses, such as driving over 100 m.p.h. or a reckless driving conviction, remain on the driver’s state DMV record for up to seven years in California.
Drunk driving and drug impairment driving convictions remain on the driver’s license for up to 10 years in the state. See our article on cheap car insurance after a DUI.
Read more: What could cause me to get points on my car insurance?
It is important to keep track of your points and learn what type of traffic violation or traffic offense can cause suspensions of your driving privileges in your state. You should definitely know the traffic laws of the state where you live to practice safe driving. Learn more in our article about the safe speed to drive your car and the best defensive driving tips.
Some states will notify drivers by letter if they are in danger of license suspension. This allows motorists to take a defensive driving program or stop driving their vehicles for a period of time until some of the DMV points fall off their licenses.
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Costs of Receiving Driving Record Points
Paying the ticket for a violation can be costly. For example, in Sacramento, parking in a handicapped zone without a proper display of the state decal costs the owner about $440 plus the $12.50 fee attached to all California tickets.
Most simple parking tickets aren’t reported to the DMV in California, according to VC Section 1803.
Accumulating driving points on the state DMV record can be even more expensive. In addition to fines, legal representation fees, and higher car insurance rates, a single parking ticket (in this instance) can eventually cost the driver thousands of dollars.
That’s why making an early, clear-cut decision about whether to contest the ticket or simply pay it makes good financial sense.
In some circumstances, the presiding judge may allow the offender to pay an expensive ticket in installments. Engaging an attorney to contest the ticket may ultimately save the driver money in fines and higher car insurance rates, too.
How Points Can Impact Car Insurance Rates
Ideally, auto insurance companies want their customers to have no DMV points on their licenses. Because your insurance company will ask for permission to look at your driving record, you should know that your past traffic citations will be taken into account.
If you receive too many driver’s license points, you could expect a substantial auto insurance increase. Motorists that have their licenses suspended can also have their car insurance policy canceled without warning. Find out more in our article, Can getting speeding tickets or a DUI cancel my car insurance?
Here’s a look at how top providers increase rates when there is an increase in points:
Full Coverage Auto Insurance Monthly Rates by Provider & License Points
Insurance Company | No Points | One Point | Two Points | Three Points | Four Points | Five Points | Six Points |
---|---|---|---|---|---|---|---|
Allstate | $150 | $165 | $180 | $195 | $210 | $225 | $240 |
American Family | $140 | $155 | $170 | $185 | $200 | $215 | $230 |
Auto-Owners | $135 | $150 | $165 | $180 | $195 | $210 | $225 |
Erie | $145 | $160 | $175 | $190 | $205 | $220 | $235 |
Farmers | $155 | $170 | $185 | $200 | $215 | $230 | $245 |
Geico | $130 | $145 | $160 | $175 | $190 | $205 | $220 |
Liberty Mutual | $148 | $158 | $168 | $178 | $188 | $198 | $208 |
Nationwide | $160 | $170 | $180 | $190 | $200 | $210 | $220 |
Progressive | $152 | $162 | $172 | $182 | $192 | $202 | $212 |
State Farm | $142 | $152 | $162 | $172 | $182 | $192 | $202 |
Travelers | $149 | $160 | $170 | $180 | $190 | $200 | $210 |
USAA | $138 | $148 | $158 | $168 | $178 | $188 | $198 |
When a driver has several points that are due to fall off their license right before it is renewal time, there can be a reduction in rates. The more penalty points that fall off your license, the lower your insurance rates will be.
Although you can move to a new state and have a clean driving record, the penalty points that were assigned to you will still be considered by your insurer.
Here’s a look at how rates increase by state when there is an increase in points:
Full Coverage Auto Insurance Monthly Rates by State & License Points
State | No Points | Two Points | Four Points | Six Points | Points for License Suspension |
---|---|---|---|---|---|
Alabama | $150 | $170 | $200 | $250 | 12 |
Arizona | $140 | $160 | $190 | $240 | 8 |
Arkansas | $145 | $165 | $195 | $245 | 14 |
Colorado | $155 | $175 | $205 | $255 | 12 |
Delaware | $160 | $180 | $210 | $260 | 14 |
Georgia | $165 | $185 | $215 | $265 | 15 |
Idaho | $135 | $155 | $185 | $235 | 3 |
Illinois | $155 | $175 | $205 | $255 | 20 |
Indiana | $145 | $165 | $195 | $245 | 12 |
Iowa | $130 | $150 | $180 | $230 | 5 |
Kansas | $140 | $160 | $190 | $240 | 12 |
Kentucky | $155 | $175 | $205 | $255 | 12 |
Maine | $145 | $165 | $195 | $245 | 6 |
Michigan | $180 | $200 | $230 | $280 | 12 |
Minnesota | $150 | $170 | $200 | $250 | 4 |
Mississippi | $140 | $160 | $190 | $240 | 12 |
Missouri | $155 | $175 | $205 | $255 | 8 |
Montana | $160 | $180 | $210 | $260 | 5 |
Nebraska | $140 | $160 | $190 | $240 | 7 |
Nevada | $165 | $185 | $215 | $265 | 12 |
New Hampshire | $150 | $170 | $200 | $250 | 12 |
New Mexico | $145 | $165 | $195 | $245 | 12 |
North Dakota | $135 | $155 | $185 | $235 | 6 |
Ohio | $135 | $155 | $185 | $235 | 2 |
Oklahoma | $150 | $170 | $200 | $250 | 14 |
Oregon | $150 | $170 | $200 | $250 | 18 |
South Dakota | $140 | $160 | $190 | $240 | 22 |
Tennessee | $140 | $160 | $190 | $240 | 12 |
Texas | $160 | $180 | $210 | $260 | 18 |
Utah | $145 | $165 | $195 | $245 | 200 |
Vermont | $150 | $170 | $200 | $250 | 16 |
Wisconsin | $140 | $160 | $190 | $240 | 12 |
Wyoming | $150 | $170 | $200 | $250 | 14 |
If your license has been suspended, you will not be able to move to a different state and lawfully apply for a new one.
Read more: How do you get rid of car insurance points?
How to Determine When Points Will Fall Off Your License
Do points on your license go away? Most states have a point system that automatically removes driver’s license points after a predetermined amount of time. However, this does not apply when a criminal traffic violation has occurred.
When do license points go away? Are there instances where license points are permanent? Vehicular manslaughter and drunk driving charges can remain on your driving record for life. You should consult with an attorney if you want to find out how to have your record expunged, if possible.
Because points can fall off your license anywhere from one to four years after the traffic offense occurred, you will need to keep a recent copy of your driving abstract on hand.
Go to your local DMV or MVA and request updated records as often as possible.
Merriya Valleri Insurance and Finance Writer
This will give you a good idea of when you can expect your license to be free of all points. It is also imperative that you avoid point accumulation.
We hope you now have a better understanding of driver’s license points so you don’t need to waste time searching online for “when do points expire on license” or “how long before points fall off license.”
What isn’t a waste of time online is comparing car insurance quotes. If you thinking of seeing if you can get a better rate, request quotes from top providers now by typing in your ZIP code.
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Case Studies: How long do points stay on your driver’s license?
Case Study 1: Minor Traffic Violation
John received a speeding ticket for exceeding the speed limit by 5 miles per hour. In his jurisdiction, this violation carries a penalty of two points on his driver’s license. When John asked, “How long do points stay on your license?” he learned that the points associated with this violation stay on John’s license for a period of two years. After the two-year mark, the points are removed from his driving record.
Case Study 2: Serious Traffic Offense
Sarah was charged with reckless driving due to excessive speed and aggressive maneuvering. This offense resulted in six points being added to her driver’s license. In her jurisdiction, points for serious traffic offenses stay on the driving record for a longer duration.
In this case, the points associated with the reckless driving offense remain on Sarah’s license for five years. After five years, the points are no longer counted toward her driving record.
Case Study 3: Multiple Traffic Violations
Mike has accumulated several traffic violations over the past few years, including speeding tickets and running red lights. Each violation carries a specific number of points based on the severity of the offense. In Mike’s jurisdiction, points for traffic violations stay on his license for a period of three years. As each violation reaches its three-year mark, the associated points are gradually removed from his driving record.
Case Study 4: License Suspension or Revocation
In this case, Samantha had her driver’s license suspended due to a DUI conviction. The suspension period is separate from points on the driving record. After completing her license suspension period, Samantha’s license is reinstated, but the DUI conviction remains on her driving record for a longer duration, such as five to 10 years, depending on jurisdictional regulations
Frequently Asked Questions
What are driving record points?
Driving record points are penalties assigned to drivers for traffic violations and other offenses.
How long do points stay on your driver’s license?
The time frame for license points depends on the offense committed, ranging from two years to life. Having any points at all could increase your car insurance rates by 41%.
When do driver’s license points expire?
The amount of time that points stay on your driver’s license will be determined by the type of traffic tickets or driving offense committed, as well as the state in which it occurred.
Generally, most points will fall off your license within one or two years, but this can vary from state to state. Serious offenses may result in immediate license suspension.
How do I find my state’s driving point system?
The best resource for learning about your state’s driving point system is your DMV (Department of Motor Vehicles). You can visit their website, call, or visit in person to find information about the maximum number of points that can be received before the DMV takes action, such as issuing a warrant for your arrest.
You can also request a driving abstract from the DMV to see how many points you currently have on your license.
What types of driving offenses can cause a driver to receive points?
Not all states assign points for driving offenses. In California, some traffic infractions that can result in points on your license include speeding, reckless driving, running a red light, and DUI. It’s important to know the traffic laws of the state where you live to understand what type of traffic violations can lead to point accumulation.
Find out more in our article, Do warnings affect car insurance rates?
How do points determine a driver’s status?
Accumulating points can lead to license suspension and additional fees.
What are the costs of receiving points?
Receiving points can lead to fines, higher insurance rates, and potential legal fees. See details in our articles on 15 Traffic Tickets Raise Car Insurance Rates and How much does a speeding ticket affect car insurance rates?
How do points impact car insurance rates?
Auto insurance companies consider your driving record, including points on your license, when determining your insurance rates. Having too many points can lead to a significant increase in premiums, and having your license suspended can result in policy cancellation.
As points fall off your license, you may see a reduction in your insurance rates. But if you’re not happy with your rate, it’s easy to comparison shop, which could save you hundreds of dollars annually. Simply enter your ZIP code into our free quote tool to get started.
Will two points affect my insurance in SC?
Even two points may affect your insurance in South Carolina, and more points could mean a bigger spike in your premiums. Read more about South Carolina car insurance.
What do four points on your license mean in SC?
Violations that will add four points to your license in South Carolina include disobedience of any official traffic control device, disobedience to an officer directing traffic, failing to yield the right of way, driving on the wrong side of the road, and passing unlawfully.
How bad are six points on your license in SC?
If you hold a beginner’s permit, provisional or special restricted driver’s license in South Carolina and you accumulate six or more points, your driving privileges will be suspended for six months for excessive points.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.