What Happens To My Insurance Rate If I Receive Points On My License?

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We have all heard someone talking about receiving or removing points on their driver’s license, whether it be a friend or a family member. Getting points on your driver’s license does happen and we have to know how to do deal with it when it does. The most important thing to remember about points on your license is that you understand what you did to receive those points, and you do everything you can not repeat the same mistake.

Points on your driver’s license essentially take money directly out of your pocket, as typically your MAIF car insurance premium will go up depending on if you have points on your license. Your premium will be most likely be lower with the fewer amount of points that you have, if any.

As you may already be aware, you receive points on your license when you are convicted of a vehicle-related moving violation in Maryland. We have made a list of what happens if and when you receive points on your license, and what you can expect if you reach a certain amount of points.

What The MVA will During Each Level Of Point Accumulation

  • 3-4 Points
    • The MVA will send you a warning letter
  • 5-7 Points
    • The MVA will require you to enroll in a Driver Improvement Program
  • 8-11 Points
    • The MVA will send you a notice of license suspension
  • 12+ Points
    • The MVA will send you a notice of license revocation

What Can I Do If I Receive A Letter of Suspension or Revocation

  • Accept It
    • One of your options will be to simply accept the suspension or revocation for the time the MVA has decided. This means you will have to return your last issued driver’s license to the MVA before the date on your notice. You can then reapply for your license when your suspension or revocation date has passed.
  • Request a Hearing
    • If you feel like your suspension or revocation should not be imposed, and you have reason to prove to the MVA as to why the suspension or revocation should not apply to you, then you must submit a notice within 15 days of the notice date with details as to why. The Office of Administrative Hearings (OAH), will conduct the hearing and notify you of its location, date, and time.

Schedule A Quote Today!

We hope that you do not have a point accumulation problem when it comes to your driver’s license. Driving in the state of Maryland is a privilege and it can be costly and even taken from you if you do not practice safe driving techniques. We can help with your auto insurance needs, no matter how many points that you may have, contact Maryland Auto Insurance today for a no-hassle quote.


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