Car Insurance with Points on Your License

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In a nutshell...
  • If you have too many points, an SR-22 certificate might be required
  • Learn how to remove points and the points system
  • Discover some of the affordable insurance options available to you

If you are looking for car insurance after receiving points on your license, it is possible to find the coverage you need. However, you are likely going to pay more on premiums.

The reason for this increased price is because insurance companies will view you as higher risk. Points could be obtained from:

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SR-22 Requirements

If the points on your license are as a result of DUI or DWI, the state may require an SR-22 Certificate. This is a form that is in addition to your auto insurance and shows that you have a policy. It is part of the insurance coverage requirements once you have gotten into trouble.

When an SR-22 is required, it’s likely to cost you a little more on your premiums. The SR stands for “safety responsibility” and verifies that you are adhering to the laws and regulations of the state.

The SR-22 is going to be a red flag when you get quotes from an insurance company because it shows that you have gotten into some trouble.

The SR-22 is required for three years in most states once there has been a DUI conviction.

You won’t qualify for any “good driver” incentive programs that an insurance company offers for as long as you need this certificate in conjunction with your insurance.

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Getting Points Removed

When points are placed onto your license, you are made aware of the reason and the number of points. Every state has their own points system. These are usually found on the citation that you are given by the police officer.

The points go onto your license and there is likely a fine to pay that goes along with the citation.

At the time of paying the citation, there might also be the option to take a defensive driving course. Completion of this course will remove the points (or at least some of them) from your driving record. The benefit to this is that it might lower your insurance.

It also shows the insurance companies that you are at least making the attempt to learn from your mistakes.

The defensive driving course is often offered in classrooms as well as online. Once the course is completed, a certificate will need to be sent to the DMV to show that you have followed the requirements.

In some instances, a copy of the certificate will need to be sent to the insurance company as well.

Points will be automatically removed after a certain period of time, as well. This automatic removal means that if you have points from several years ago as well as points that were recently obtained, some might be getting ready to fall off of your driving record.

When this happens, it is beneficial to get quotes from insurance companies again.

How to Get an Affordable Insurance Policy

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It’s important to know how auto insurance policies are calculated. While every insurance company has their own pricing structure and place emphasis on different areas, there are the same items used in all quotes including:

  • Make and model of car
  • Safety features
  • Driving history
  • Zip code

When points are on your license, you have to wait for them to be removed before it improves your driving history.

It’s up to you to try to impact the other components of an auto insurance quote.

If you live in an area where there are few accidents, it will be better than if you live in a major city where there are a large number of accidents. If you drive a safer car with a lot of safety features, it will help you to get a more affordable policy as well.

Various discounts might apply to you as well. If you are a homeowner, a good student, or drive your car a low number of miles every year, be sure the insurance company is aware of these.

Some insurance companies offer more than just auto insurance. If you get multiple policies from the same insurance company, such as auto, home, and life, you might qualify for a multi-policy discount.

In the end, insurance companies look at risk. The higher the risk, the more it will cost for an insurance policy. Points on your license will cost you, but there are ways to get an affordable policy – and getting quotes from multiple insurance companies will be a help.

Get multiple quotes right now for free by using our comparison tool below.

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