Auto insurance companies vary on how they handle insurance points. Typically the company uses their own guidelines on how points are assigned for various traffic violations. A citation for not having a current inspection sticker is likely a non-moving or minor traffic violation in your state. If this is true it is doubtful that it will affect your auto insurance points or rates much.

Your insurance company is required to file their rules and rates with your state's insurance regulatory body so you can also check with them to find out how this citation will affect you.