How do you get rid of car insurance points?

Depending on your state, car insurance points stay on your record for three to seven years. More serious offenses like a DUI may last even longer.

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: May 14, 2020

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Here's what you need to know...

  • Car insurance points are different from points on your license
  • Different companies deal with points in different ways, but there is nothing you can do to make points go away faster than the set time
  • Insurance companies assign points for moving violations as well as a plethora of other reasons

Unfortunately, if you have car insurance points, there is no way for you to get rid of them fast.

Only an extended period of time between the incident that created the points in the first place and the time you apply for insurance will allow for those points to be removed from your car insurance consideration.

You can get free online car insurance quotes with just your zip code!

It is important to note that when you get a free car insurance quote, it is impossible for the system to account for any possible points that the insurance company may apply to you for past issues.

That is why it is important for you to be as honest as possible when filling out any quote forms so that the system can anticipate any possible increases you might see due to car insurance points.

What are car insurance points?

Many people confuse car insurance points with driver’s license points; however, these are two very different things.

Car insurance points are the points a car insurance company assigns to different incidents in your driving history.

Not only will this include things that cause you to get points on your driver’s license, but this will also include information that they have about any claims that you have made in the past.

The amount of points assigned for each incident will vary among insurance companies.

Most insurance companies aren’t required to share with you the different points they assign, although many will.

Some states have restrictions set into place by their Department of Insurance as to how many points an insurance company can assign different incidents.

If you have an accident or get a ticket while in the middle of a current policy, your rates will not change until it is time for a policy renewal.

If you have a DUI, which is a criminal offense, it is considered fraud if you don’t report it to your insurance company. Just because a state doesn’t report it to the insurance department doesn’t mean that you are going to get away with something.

If the insurance company finds out, they can drop your policy or even file a suit against you for past premiums that you should have paid.

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How long do car insurance points stay on my record?

Much like how the points are accrued, the length of time the points stay on your insurance history will vary between insurance companies.

You might find that minor offenses, such as a single speeding ticket, stop affecting you sooner than a major offense, such as driving while under the influence of drugs or alcohol.

In most cases, a past offense should have been removed from your insurance cost considerations 3 years after the offense occurred. This doesn’t apply to DUIs, which can affect your rates for much longer.

Each year that you progress without accruing any new points your car insurance rates should decrease.

If you don’t see a decrease in your rates, you should call your insurance company to find out why. If they don’t or won’t lower your rates, then you might want to consider other auto insurance companies.

What are some of the things that count as car insurance points?

There are some things that will add points to your car insurance plan that you have no control over, such as your age. Teens and young adult drivers are assigned two to four points just for being young.

Other things that get points assigned to them are:

These are just a few considerations the insurance company makes, but as you can see, you can make changes in your driving to help you get lower rates.

If you think that you are being unfairly charged for certain things, you can file a complaint with your state’s Department of Insurance against your insurance.

In addition, you need to be proactive regarding your insurance and find another, more affordable plan.

The fastest way to do this is by getting a free car insurance quote. Car insurance quote tools, like the one here, are easy to use and will provide you with quotes from multiple companies in a single location.

Enter your zip code now for your free car insurance quotes!

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