Yes, it is possible that two insurance points could cause your auto insurance rates to rise. It really depends upon state insurance laws and your insurance company's rating system if your rates will go up due to 2 insurance points.

For example, in Florida the state law says that your first minor violation won't surcharge your rates, but it may not allow for discounts depending on the company. So, it is important to understand your state to give a more accurate answer.

If your state allows insurance points to be used and for insurance companies to use their own rating system, some states like Massachusetts have the state controlled surcharges, then you would need to contact your insurance agent to find out how 2 insurance points will affect your car insurance premiums.

You should also be able to contact your state's insurance regulator since insurance carrier will be required to file their rates with this state agency.

If the offenses on your driving record or insurance points have caused your rates to rise you can get auto insurance quotes online to comparison shop for lower rates.