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In the US State of Missouri, drivers can get penalty points or a demerit point, which can result in their driving license being canceled or suspended. A license can be suspended or canceled based on the number of penalty points accumulated by Missouri State drivers over a period of 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 does a driver’s license affect insurance in Missouri?
Missouri, driver’s license points affect insurance premium costs. Based on our case study, Missouri’s average car insurance premium is $1,284 per year for no violation points. If you get driving penalty points for a fault accident, your insurance premium cost will increase by an average of 21%, which will be $ 1,734 on average. Racing or reckless driving points can grow up to 60% of your insurance premium policy, so these offenses generate an average insurance cost of $2,137 in Missouri.
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 Missouri, 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 Missouri?
In Missouri, if you accumulate eight or more points in 18 months, the Department of Revenue will suspend your driving privileges. If you accumulate 12 or more points in 12 months, the Department of Revenue will revoke your driving privileges for one year. Eighteen or more points in 24 months.
How much do 2 points affect insurance in Missouri?
On average, two penalty points in Missouri will affect a 5% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs by up to 60%.
How much do 3 points affect insurance in Missouri?
In Missouri, on average, three penalty points will affect an 8% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs by up to 74%.
How much do 4 points affect insurance in Missouri?
In Missouri, 4 penalty points will affect an average 7% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs up to 100%.
How much do 5 points affect insurance in Missouri?
In Missouri, five penalty points will affect an average 9% 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 Missouri?
In Missouri, six penalty points will affect an average 9% 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 Missouri?
In Missouri, seven penalty points will affect a 29% 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 Missouri?
In Missouri, 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 Missouri license holder
- If you accumulate eight or more points in 18 months, the Department of Revenue will suspend your driving privileges.
- 1st suspension – 30 days
- 2nd suspension – 60 days
- 3rd or more suspensions – 90 days
Offense and driving points record in Missouri
| Violation | Number of Points Assigned |
| Reckless driving | 2 |
| Running a stop sign | 2 |
| Faidriver’s produce driver’s license | 2 |
| Speeding | 3 |
| Failure to show proof of insurance | 4 |
| Endangering a highway worker | 4 |
| Endangering an emergency responder | 4 |
| DUI | 8 |
| Leaving the scene of an accident | 12 |
| Driving while suspended | 12 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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