author-img
Written by:
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
author
Reviewed by:
John McCormick
reviewer icon
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Question: How long do moving violations remain on your record in New York? Do you have to list them with your car insurance if they are no longer on your record?

Answer: Most moving violation convictions remain on a New York driver’s record for up to four years — during the year that the conviction occurred and the following three calendar years.

The New York state DMV removes the conviction from your driving record on Jan. 1 of the fourth year. For example, a conviction that occurred in 2020 will remain on your driving record until Jan. 1, 2024.

A serious conviction, such as driving under the influence, remains on a New York driving record for 10–15 years. If a driver is convicted of the same violation during that 10-year period, the motorist can receive additional penalties according to the New York State DMV.

Additionally, the New York DMV uses a point system for moving violations and will suspend a driver’s license if they receive 11 points for traffic violations within 18 months.

New York drivers can participate in the state’s Point & Insurance Reduction Program (PIRP) and have up to four points reduced from their current point accrual. However, this does not mean the points are removed from their driving record. The PIRP ensures the DMV will reduce four points toward license revocation or suspension tallies.

Driving record points won’t be removed after the four-year cycle. For insurance purposes, drivers will receive a certificate of completion that they can share with their provider to offset any increase in premiums due to the violation.

Typically, your car insurance company will review your driving record upon renewal of your policy, or when you apply for coverage, and generally look at the past three years.

Learn more about New York driver points and citations and how they affect insurance for moving violations, by reading our guide to the best cheap car insurance for New York City after a speeding ticket. See how much you can save on coverage by comparison shopping after a moving violation, when you will start paying an increased rate and for how long.

— Katrina Raenell and Michelle Megna contributed to this story.

Sources

  1. New York State Department of Motor Vehicles. “About point reduction.” Accessed January 2023.
  2. New York State Department of Motor Vehicles. “About the New York State Driver Point System.” Accessed January 2023.
  3. New York State Department of Motor Vehicles. “Point & Insurance Reduction Program.” Accessed January 2023.
Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

Please Enter Valid Question. Min 50 to max 250 characters are allowed. Only (& ? , .) charcters are allowed.
Please Enter Valid Email.
Error: Security check failed
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later.
Compare top carriers in your area Get quotes near you!
Please enter valid zip
author image
Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.