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Adding Points Adds How Much Premium?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 01/31/2016

Q: Approximately how much does my insurance premium go up if you have couple of points on your record?

A: There is really no answer to the question that we can give for several reasons.

  1. Each insurance company has different insurance rates.
  2. Each insurance company assigns a different value to the number of points on a driving record.
  3. The rates for insurance companies vary from state to state. The amount a policy will go up for two points in Idaho is different than how much it will go up in Florida.
  4. A person with a couple of points will have a much different premium than a driver with a couple of points and bad credit or an accident that was never reported to the police.

As you can see there are so many variables that come into play with insurance premiums that it is impossible to give even an estimate of what a premium increase would be. Wish insurance premiums were the same across the board and we could give an actual answer.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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