How the Point System Works

Every state uses a point system tied to your driving record. Points are added for violations and at-fault accidents.

ViolationTypical PointsInsurance Impact
Speeding (1–15 mph over)1–2 points+10–20%
Speeding (16–25 mph over)2–4 points+20–40%
Running red light2–3 points+15–25%
At-fault accident2–4 points+30–50%
DUI/DWI6–8 points+80–200%

What Is SR-22?

SR-22 is not insurance — it's a certificate your insurer files with the state proving you have minimum required coverage.

⚠️ Important

SR-22 requirement typically lasts 3 years. During this time, you must maintain continuous coverage.

How to Minimize the Damage

  1. Take a defensive driving course — eligible violations may be dismissed
  2. Request deferred disposition before paying the ticket
  3. Shop around for new insurance after 1–2 years
  4. Maintain a clean record going forward — most violations affect rates for 3–5 years