For most states, there is not a set amount of driver license points that make all insurance companies raise their premiums for their insureds. Typically, insurance companies licensed to do business within a state set their own rating system. This means the 4 point violation could mean different rate increases for different insurance companies.

According to the Maine Bureau of Insurance, drivers with violations are considered higher risks to insurance companies and may be charged higher premiums. Surcharges are used to distribute the cost of insurance among policyholders as fairly as possible. In ME, a surcharge may be added to the premium of a driver who is convicted of a traffic violation. The amount of the surcharge is a percentage of the insured's renewal premium and usually applies for up to 3 policy renewal periods.