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In the US State of New York, drivers can get penalty points or a demerit point, which can result in their driving license being canceled or suspended. A driving license can be suspended or canceled based on the number of penalty points accumulated by New York 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 Vehicle (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 New York?
In New York, driver’s license points affect insurance premium costs. Based on our case study, the average car insurance premium in New York is $1,062 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 $1,335 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 $2,321 in New York.
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 New York, 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 New York?
Drivers in New York start with 0 points on their license and receive 2 points for minor and 11 points for significant breaches. Your New York driver’s license will be suspended if you accumulate 11 points in 18 months.
How much do 2 points affect insurance in New York?
In New York, on average, two penalty points will affect a 4% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs by up to 59%.
How much do 3 points affect insurance in New York?
In New York, 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 72%.
How much do 4 points affect insurance in New York?
In New York, four penalty points will affect an average 7% 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 New York?
In New York, five 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, others can increase costs up to 100%.
How much do 6 points affect insurance in New York?
In New York, 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 New York?
In New York, seven penalty points will affect an average 23% 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 8 points affect insurance in New York?
In New York, eight penalty points will affect a 45% 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%.
The length of a suspension period for any New York license holder
- If you get 11 points in 18 months, your driver’s license may be suspended.
- New Mexico Point System – Suspension At 12 Points: If you have assessed 12 or more points within a Statenth period, the State will suspend your license for 12 months.
Offense and driving points record in New York
| Violation | Number of Points Assigned |
| Disobeying a traffic control device | 2 |
| Improper turn | 2 |
| Speeding 1-10 miles per hour over the limit | 3 |
| Leaving the scene of the property damage incident | 3 |
| Driving left of center, in the wrong direction | 3 |
| Improper passing, changing lanes unsafely | 3 |
| Disobeying traffic control signals, stop signs, or yield sign | 3 |
| Failure to yield right-of-way | 3 |
| Speeding 11-20 miles per hour over the limit | 4 |
| Railroad crossing violation | 5 |
| Reckless driving | 5 |
| Improper cell phone use | 5 |
| Speeding 21-30 miles per hour over the limit | 6 |
| Speeding 31-40 miles per hour over the limit | 8 |
| Speeding above 41 miles per hour over the limit | 11 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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