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In the US State of Texas, 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 Texas 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 Texas?
In Texas, driver’s license points affect insurance premium costs. Based on our case study, Texas’s average car insurance premium is $1,223 per year for no violation points. If you get driving penalty points for a faulty accident, your insurance premium cost will increase by an average of 21%, which will be $1429 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 $1957 in Texas.
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 Texas, 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 Texas?
Drivers in Texas do not receive points on their licenses because Texas does not use a points-based system. Instead, drivers in Texas can have their license suspended for violations like DUIs, failing a blood alcohol test, street racing, or four moving violations in 12 months.
How much do 2 points affect insurance in Texas?
In Texas, on average, two 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 56%.
How much do 3 points affect insurance in Texas?
In Texas, on average, 3 penalty points affect an 8% 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 4 points affect insurance in Texas?
In Texas, 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 Texas?
In Texas, 5 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, some can increase costs up to 100%.
How much do 6 points affect insurance in Texas?
In Texas, 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 Texas?
In Texas, seven penalty points will affect an average 25% 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 Texas?
In Texas, eight penalty points will affect an average 44% 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 Texas license holder
- In Texas: A first-time DWI conviction includes a driver’s license suspension of 90 days to one year. A second or third DWI conviction consists of a driver’s license suspension of 180 days to two years. A conviction for DWI with a child passenger in your vehicle can result in a suspension of as long as 180 days.
Offense and driving points record in Texas
- Four moving-violation convictions in 12 months
- Seven moving-violation convictions in 24 months
- Driving with a suspended, canceled, or revoked license
- Refusing or failing a blood alcohol test
- Street racing
- Failure to stop and render aid
- Driving with fake license plates, registration stickers, or safety inspection stickers
- Theft of motor vehicle fuel
- Drug offenses, even if not committed while driving
- DUI resulting in vehicular assault or manslaughter
- Evading arrest
- Furnishing a minor with alcohol
- Driving without required liability insurance
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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