Understanding the New York License Points System: A Comprehensive Guide
blue-police-car-light-night-city-with-selective-focus-bokeh-black-background (1).jpg

If you're a driver in New York State, it's crucial to understand the points system that governs your driver's license. With heavy traffic and strict law enforcement, staying informed about how violations affect your driving record can save you a lot of hassle—and money—in the long run. In this blog post, we'll delve into the basics of the New York License Points System, how points accumulate, the consequences of accumulating too many points, and ways to mitigate their impact.

The Basics of Points System

In New York, points are added to your driving record based on the severity and type of moving violation you commit. These points can accumulate and may result in higher insurance premiums, mandatory defensive driving courses, or even license suspension or revocation.

Here are some common violations and the corresponding points:

  • Speeding (1-10 MPH over limit): 3 points
  • Speeding (11-20 MPH over limit): 4 points
  • Speeding (21-30 MPH over limit): 6 points
  • Failure to Stop for a School Bus: 5 points
  • Reckless Driving: 5 points
  • Texting While Driving: 5 points
  • Running a Red Light: 3 points

Consequences of Accumulating Points

The New York DMV uses the points system to identify and take action against high-risk drivers. Here’s what you need to know:

The 11-Point Limit

Accumulating 11 points in an 18-month period could result in your license being suspended.

The 6-Point Rule and Driver Responsibility Assessment

If you accumulate six or more points within 18 months, you will be subject to a Driver Responsibility Assessment fee. This fee is in addition to any fines, fees, or surcharges that you must pay for the original traffic violation.

Insurance Premiums

The more points you have, the higher your insurance premiums are likely to be. Insurance companies consider drivers with more points to be high-risk, which results in increased rates.

Mitigating the Impact of Points

If you've accumulated points, all is not lost. There are ways to reduce the impact:

Defensive Driving Courses

New York allows drivers to take a state-approved defensive driving course to remove up to 4 points from their driving record. However, this course will not help you dodge the Driver Responsibility Assessment fee.

Contesting the Ticket

You can choose to contest the ticket in court. If you successfully do so, the points corresponding to that violation will be removed.

Legal Advice

Consulting with an attorney who specializes in traffic violations can provide you with personalized guidance tailored to your situation.


Understanding the New York License Points System is essential for every driver in the state. By staying informed and taking timely action, you can better manage your driving record and avoid unnecessary financial burdens. Remember, safe driving not only protects you but also everyone else on the road. Drive responsibly!