With DMV points each infraction such as moving violations, at-fault accidents, or driving under the influence, is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record. The more points you have, the worse your record.

Each insurance company has its own method of evaluating applicants, so the points on your driving record may or may not have a direct impact on the rates you pay for auto insurance. Insurance companies typically care about the violations that you have been convicted of and have been placed on your driving record, not the DMV points system attached to the violation.

Each insurance company has their own point values that are assigned for each type of violation, accident or claim. These insurance points help to determine your rate along with other factors such as age, gender, driving experience, marital status, etc.

Auto insurance companies normally check a person's motor vehicle or driving record when a person applies for a policy, renews a policy or makes changes to their car insurance policy. If you have been a long time insured with a certain insurance carrier it may be possible that they will not check your driving record at each renewal or each year. Insurance companies' guidelines differ so to find out how often your insurance company checks your driving record you would to need ask your agent.

If your insurance rates go up due to your driving record you may want to shop around for car insurance rate quotes.