What will 2 points do to my insurance?
In New York, an insurance company cannot raise your rates for one 2-point conviction.
It can only raise you for moving violations when you are convicted of a speeding offense of 16+ mph, or two moving violations within 36 months. If you are convicted of a 2-point ticket, try to avoid a second moving violation convictions within 36 months so your rates will not increase.
Key Things to Know:
- In New York, an insurance company cannot raise your rates for one 2-point conviction
- It can only raise you for moving violations when you are convicted of a speeding offense of 16+ mph, or two moving violations within 36 months
- If you are convicted of a 2-point ticket, try to avoid a second moving violation convictions within 36 months so your rates will not increase
Because the total cost can extend beyond the ticket itself, it helps to look at points, insurance exposure, surcharges, and any driver-responsibility assessment before deciding how to respond.