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In the US State of Colorado, drivers can get penalty points or a demerit point where their driving license can be canceled or suspended. A driving license can be suspended or canceled based on the number of penalty points accumulated by Colorado State drivers over some time because of the traffic offenses or infringements they committed during that period.
You can contact the Department of Motor Vehicles (DMV) for your State to check your penalty points. To check If Speeding Points Affect Insurance, read our article.
How do Points on a Driver’s License Affect Insurance in Colorado?
In Colorado, driver’s license points affect insurance premium costs. Based on our case study, Colorado’s average car insurance premium is $1,674 per year for no violation points. If you get driving penalty points for a fault accident, your insurance premium will increase by 41%, which will be $1,752 on average. Racing or reckless driving points can grow up to 63% of your insurance premium policy, so these offenses generate an average insurance cost of $2,016 in Colorado.
However, each insurance company has its driving points records ranking system. For the same offenses or penalty points, you can have different insurance premium increases in various companies.
For example, for a same-fault accident in Colorado, Nationwide can increase the insurance policy by 10%, while Allstate and Progressive insurance can increase up to 38%.
How long do points stay on your driving record in Colorado?
In Colorado, driving penalty points will always be present in your driving record. However, points will not count for suspension if a traffic conviction is two years old.
How much do 2 points affect insurance in Colorado?
In Colorado, on average, 2 penalty points affect a 5% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 66%.
How much do 3 points affect insurance in Colorado?
In Colorado, on average, three penalty points will affect a 6% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 71%.
How much do 4 points affect insurance in Colorado?
In Colorado, four penalty points will affect an average 8% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs up to 100%.
How much do 5 points affect insurance in Colorado?
In Colorado, five penalty points will affect an average 8% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 6 points affect insurance in Colorado?
In Colorado, six penalty points will affect an average 11% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 7 points affect insurance in Colorado?
In Colorado, seven penalty points will affect a 24% premium insurance increase on average. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 8 points affect insurance in Colorado?
In Colorado, eight penalty points will affect an average 46% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
The length of a suspension period for any Colorado license holder
- A Colorado point suspension lasts from six months to one year.
- 12 points (or more) in 12 months, or
- 18 points (or more) in 24 months
- 9 points (or more) in 12 months, or
- 12 points (or more) in 24 months, or
- 14 points (or more) any time between the ages of 18 and 21 years old
- 6 points (or more) in 12 months, or
- 7 points (or more) anytime before you turn 18
Offense and driving points record in Colorado
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Traffic violation Colorado DMV point value
Leaving the scene of an accident / hit-and-run (CRS 42-4-1601, -1602) 12 DUI or DUI per se (CRS 42-4-1301) 12 Speed contests (CRS 42-4-1105) 12 Evading an officer (CRS 42-4-1413) 12 DWAI (CRS 42-4-1301) 8 Reckless driving (CRS 42-4-1401) 8 UDD – underage drinking and driving 4 Failure to show proof of insurance 4 Improper passing 4 Careless driving (CRS 42-4-1402) 4 Improper turn 3 Failure to yield right-of-way 3 Failure to signal 2 No seat belt 2 Defective headlamps 1 Driving 5 to 9 mph over the speed limit 1 2
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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