Drivers with Points Insurance
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Compare Auto Insurance for Drivers with Points

Compare carriers, coverage options, and state requirements across all 50 states.

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How It Works

  1. Enter your ZIP and tell us about your violation

  2. Get matched with carriers who write policies for drivers with points in your state

  3. Choose your coverage and lock in your rate

Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

Driver's-eye view from inside a car at night, with two hands gripping the steering wheel, an illuminated instrument cluster behind it, and a road with blurred lights through the windshield.Liability InsuranceRequired in 48 states, liability covers damage you cause to others. Minimum limits range from 15/30/5 in California to 50/100/25 in Maine, with higher limits recommended for drivers with prior at-fault accidents.Interior view from a driver's seat at night, with two hands on a steering wheel, an orange-lit instrument cluster, and a road with streetlights and blurred vehicle lights ahead.Full CoverageCombines liability, collision, and comprehensive protection. Full coverage premiums increase 20-80% after a first moving violation, depending on violation severity and state rating rules.An open black mailbox with a red flag and a tan envelope inside, mounted on a post beside shrubs, with a dark SUV parked in a driveway in front of a garage at sunset in the blurred background.Non-Standard Auto InsuranceDesigned for drivers with multiple violations, accidents, or point totals near suspension thresholds. Non-standard carriers use specialized underwriting that weighs driving history differently than standard insurers.View from a driver's seat at night showing two hands gripping a steering wheel, a red-lit instrument cluster, and a wet road with blurred streetlights through the windshield.SR-22 InsuranceA state-mandated certificate filed by your insurer proving you carry minimum coverage. Required for 3-5 years after DUI, suspended license, or multiple violations in 46 states that use SR-22 filings.A woman with long blonde hair sits in the driver's seat of a vehicle, holding a phone to her ear, seen through the windshield.Uninsured Motorist CoverageProtects you when hit by a driver with no insurance or insufficient limits. Mandatory in 20 states and especially valuable for drivers who cannot afford another at-fault claim on their record.

Recent Articles

A man in a dark blue button-up shirt sits at a wooden desk using a laptop, with a notebook, pen, and loose papers nearby and a sunset visible through a large window behind him.7/13/2026WI Carrier Non-Renewal After PointsWisconsin gives you 60 days after a non-renewal. Compare carriers now to line up coverage and avoid an SR-22.An open black post-mounted mailbox with a raised red flag holds a tan envelope, with a blurred driveway, parked car and house behind it.7/13/20264 Points Wisconsin License Insurance ImpactWisconsin's 4-point mark triggers carrier tier changes and rate increases. See what it means for your coverage and rates today.A woman wearing a gray top and dark quilted vest sits in a car's driver seat with a seatbelt on, holding a phone to her ear behind the steering wheel.5/17/2026At-Fault Accident with Bodily Injury: Points & RatesAn at-fault accident with bodily injury adds 3-4 points and triggers a 40-60% rate increase for three to five years. The claim stays on CLUE for seven years.
A woman in a tan jacket, jeans, and brown heeled ankle boots walks across an empty parking lot at night, holding keys, with a parked SUV, lit buildings, and light poles in the background.

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Frequently Asked Questions

How long do points stay on my driving record?

Point duration varies by state and violation type. Most moving violations stay on your record for 3-5 years, while major violations like DUI remain for 7-10 years. Points may stop affecting your insurance rates before they're removed from your MVR.

How many points until my license is suspended?

Suspension thresholds range from 8 points in North Carolina to 18 points in California within specific time periods. Each state uses different point values for violations—a speeding ticket can be 2 points in one state and 4 in another.

Will every insurance company see my points?

Yes. Insurers check your motor vehicle record when you apply and at renewal. They see all reported violations, points, and accidents, though they weight them differently based on each company's underwriting rules.

Can I get standard insurance with points on my record?

It depends on your total points, violation types, and how recent they are. One minor speeding ticket usually keeps you eligible for standard coverage. Multiple violations or serious infractions often require non-standard carriers.

What's the difference between state points and insurance points?

State points determine license suspension and appear on your MVR. Insurance points are internal scores carriers use to calculate your premium. A 2-point speeding ticket might add 3 insurance points with one carrier and 4 with another.

Do I need SR-22 insurance if I have points?

Not necessarily. SR-22 is only required after specific violations like DUI, driving without insurance, or excessive points leading to suspension. Most drivers with points do not need SR-22 unless ordered by their state.