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In the US State of Montana, 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 Montana 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. Read our article to find out If Speeding Points Affect Insurance.
How do Points on a Driver’s License Affect Insurance in Montana?
In Montana, driver’s license points affect insurance premium costs. Based on our case study, Montana’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 cost will increase by an average of 21%, which will be $1,737 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 $2,061 in Montana.
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 Montana, 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 Montana?
- Conviction points remain on a driving record for three years from the date of conviction. While the points are removed after three years, the convictions become a permanent part of a driving record. Completing a defensive driving class does not remove points from a driving record.
How much do 2 points affect insurance in Montana?
In Montana, 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 58%.
How much do 3 points affect insurance in Montana?
In Montana, on average, 3 penalty points 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 76%.
How much do 4 points affect insurance in Montana?
In Montana, 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 Montana?
In Montana, 5 penalty points will affect an average 10% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
How much do 6 points affect insurance in Montana?
In Montana, 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, some can increase costs up to 100%.
How much do 7 points affect insurance in Montana?
In Montana, seven penalty points will affect an average 22% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
How much do 8 points affect insurance in Montana?
In Montana, 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, some can increase costs up to 100%.
The length of a suspension period for any Montana license holder
- In Montana, driving with a suspended license carries a penalty of 2 days and six months of jail in addition to more fines and an extended suspension period.
Offense and driving points record in Montana
| Violation | Number of Points Assigned |
| Running a stop sign | 2 |
| Running a railroad crossing | 2 |
| Running a red light | 2 |
| Failure to yield the right of way to a pedestrian | 2 |
| Neglecting to use turn signals | 2 |
| Following another vehicle too closely | 2 |
| Failure to have a temporary driver’s permit in possession | 2 |
| Operating in violation of restrictions imposed on driver’s license | 2 |
| Driving on sidewalk | 2 |
| Failure to obey instructions from traffic control devices | 2 |
| Increasing speed when being overtaken | 2 |
| Passing on rights when prohibited | 2 |
| Travel the wrong direction on a one-way street or highway | 2 |
| Change lane when it is unsafe to do so | 2 |
| Improper use of the center lane of the three-lane roadway | 2 |
| Making a right turn from an improper lane | 2 |
| Improper approach to intersections when making a right turn | 2 |
| Making a left turn from an improper lane | 2 |
| Obstructing traffic under minimum reasonable speed after being warned | 2 |
| Failure to drive to the right of the roadway except when passing | 2 |
| Right of way violation – failure to yield to a pedestrian | 2 |
| Right of way violation – failure to yield to school children or school safety patrol | 2 |
| Disobedience to signals indicating the approach of a railroad train | 2 |
| Stop sign violation | 2 |
| Stop violation – emerging from alley, garage, or driveway | 2 |
| Failure to stop for a school bus stopped (loading or unloading school children) | 2 |
| Failure to have a rearview mirror | 2 |
| Obstructed windshield | 2 |
| Defective windshield wipers | 2 |
| Careless driving | 2 |
| Speeding | 3 |
| Leaving the scene of an accident involving property damage | 4 |
| Failing to report an accident | 4 |
| Failure to identify self and vehicle when involved in an accident. | 4 |
| Reckless driving | 5 |
| Eluding police officers | 5 |
| Evading the police | 5 |
| Street racing | 5 |
| Driving while privileged to do so is suspended or revoked | 6 |
| Driving with a suspended or revoked license | 6 |
| Leaving the scene of an accident involving injury or death | 8 |
| Failure to stop immediately at the accident scene where the person injured | 8 |
| Failure to render reasonable assistance to injured | 8 |
| Driving under the influence of drugs or alcohol | 10 |
| Homicide resulting from negligent driving | 12 |
| Negligent homicide | 12 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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