Schedule of Insurance Points

12 Points

Manslaughter or negligent homicide, prearranged highway racing or lending car for racing, hit and run, bodily damage only, injury or death, driving with blood alcohol level .08% or more, driving commercial vehicle w/blood alcohol level .04% or more, driving while impaired, transporting illegal intoxicating liquor for sale.

10 Points

Highway racing, speeding to elude arrest.

8 Points

Driving while license revoked or suspended.

4 Points

Reckless driving, hit & run property damage, passing a stopped school bus, speeding in excess of 75 mph in 70 mph zone or less, at fault accident w/bodily injury or death or property damage only of $2,500.00 or more .

2 Points

Illegal passing, speeding in excess of 55 mph but less than 76 mph, following too closely, driving on the wrong side of the road, at fault accident w/property damage over $1,500.00 but less than $2,500.00.

1 Points

All other moving violations, at fault accident w/property damage of $1,500.00 or less

Each point means an additional increase in your insurance rates as estimated below:

1 point = 25% increase
2 points = 45% increase
3 points = 65% increase
4 points = 90% increase
5 points = 120% increase
6 points = 150% increase
7 points = 180% increase
8 points = 220% increase
9 points = 260% increase
10 points = 300% increase

So, for example, a moving violation of 70 in a 55 mph zone will increase your premium by 45 percent for three years. Below is an example of what a conviction of 70-55 mph zone will cost you if you are convicted (this example assumes your yearly insurance is $800.00):

First year: 45% increase x $800.00 = $360.00
Second year: 45% increase x $800.00 = $360.00
Third year: 45% increase x $800.00 = $360.00

Total increase over a three year period = $1,080.00