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In the US State of Virginia, 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 Virginia 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 Do Speeding Points Affect Insurance, read our article Do Do Points on a Driver’s License Affect Insurance driver’s?
In Virginia, driver’s license points affect insurance premium costs. Based on our case study, Virginia’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 Virginia.
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 Virginia, 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 Virginia?
Drivers in Virginia start with 0 points on their license and receive 3 points for minor violations and 6 points for significant drivers. Your Virginia driver’s license will be suspended if you accumulate 18 points in 12 months or more points in a longer time frame.
How much do 2 points affect insurance in Virginia?
In Virginia, 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 69%.
How much do 3 points affect insurance in Virginia?
In Virginia, on average, three penalty points will affect a 7% 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 Virginia?
In Virginia, 4 penalty points will affect an average 6% 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 Virginia?
In Virginia, 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 Virginia?
In Virginia, 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 Virginia?
In Virginia, 7 penalty points will affect an average 30% 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 Virginia?
In Virginia, eight penalty points will affect a 31% 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 Virginia license holder
- 9driver’sspension of the driver’s license,e and the driver must pay the reinstatement fee. There is also an additional six month probation that follows the 90 daydriver’s suspensionn. The driver’s license is suspended until the driver improvement clinic is satisfactorily completed
Offense and driving points record in Virginia
| Speeding 1-9 miles per hour over the limit | 3 |
| Disrofficer’scrossing guard/officer’s signal | 3 |
| Following too closely | 3 |
| Driving through the safety zone | 3 |
| Failure to obey a highway sign | 3 |
| Driving/riding on the sidewalk | 3 |
| Changing course after signaling | 3 |
| Improper backing, stopping, or turning | 4 |
| Aggressive driving | 4 |
| Speeding 10-14 miles per hour over the limit | 4 |
| Speeding 15-19 miles per hour over the limit | 5 |
| Speeding more than 20 miles per hour over the limit | 6 |
| Vehicular manslaughter | 6 |
| Driving on a suspended license | 6 |
| DUI | 6 |
| Reckless driving | 6 |
| Failure to stop at the scene of a crash that includes injury or death | 6 |
| Attempting to elude police | 6 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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