The Missouri Driver Guide notes that the Department of Revenue adds points to your record when it receives notice that you were convicted of a traffic violation while your vehicle was in motion.

The number of points you receive depends on the conviction. For example, you may receive 2 or 3 points if you are convicted of speeding (depending on if the court was municipal, county, or state level).

If you accumulate a total of 4 points in 12 months, the Department of Revenue will send you a point accumulation advisory. Every year you drive without getting new points on your record, the points will be reduced.

• 1 year — total remaining points reduced by one-third
• 2 years — remaining points reduced by one-half
• 3 years — points reduced to zero

Although your points may be reduced to zero, certain types of convictions must remain listed permanently on your Missouri driver record.

As for insurance, it will depend upon your insurance company's rating system if this one traffic ticket will affect your rates.

According to the Missouri Department of Insurance the state does not set insurance rates. A MO auto insurance company’s rates are based upon the claims they pay, operating expenses, and profit. The rates you pay as an individual driver/owner are usually based on:

• The amount of coverage purchased.
• The amount of the deductible chosen.
• Where the automobile is garaged; auto rates for farm use generally have lower rates than those rated for city use.
• How the auto is used and the number of miles driven each year.
• The type and age of the car.
• The age and sex of the insured driver.
• Credit history.
• Driving and claims record. Missouri regulations, however, prohibit insurers from charging extra for claims under your comprehensive coverage.

Insurance companies and insurance rating organizations establish rating territories generally based upon claims experience. Check with your agent/producer if you have any questions about your rating territory.