Glossary term
Licence points
Licence points: State-assigned values for violations used for licence discipline; insurers mostly rate on the violation itself.
Where this term matters
Guides and entries on this site that use the term.
Guide
How Long a Speeding Ticket Affects Insurance
The three-year insurance lookback, how it differs from the state's record and points periods, and when a ticket stops affecting your premium.
Guide
Driver's Licence Points and Your Insurance
How state point systems work, how insurers use (or ignore) points, the difference between state points and insurer points, and point-reduction options.
Entry
Out-of-State Speeding Tickets and Your Insurance
How a ticket in another state reaches your home record, whether points transfer, and how insurers treat it.
Entry
Can Traffic School Stop an Insurance Increase After a Speeding Ticket?
Learn how completing traffic school or defensive driving can mask a speeding citation, prevent insurer surcharges, and protect your auto insurance rates.