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QuestionInsurance Question  I was caught doing 16 over the speed limit in NY state, what will the point be on my license?

AnswerAuto Insurance Answer

According to the points schedule listed on the New York State Department of Motor Vehicles (NYS DMV) site being convicted of a speeding violation of between 11 and 20 mph is 4 points on your NY driving record.

The DMV computer system automatically calculates your point total as follows:

  • You must be convicted of the traffic violation for the points to be added to your point total, but the calculation of your point total is based on the date of the violation, not the date of the conviction.
  • The points for violations that all occurred within the last 18 months of one another are added together to calculate your point total.
  • The record of the conviction, and the points, are listed on your driver record for as long as the conviction remains on your record. The information about the conviction and points is not removed after 18 months from the violation date. Only the calculation of your point total changes. 

If your point total reaches 11 points or more based on the calculation described above, the DMV notifies you and suspends your driver license.

Keep in mind that in NYS the point system is not the only reason for a driver license suspension or revocation. There are mandatory suspensions or revocations. For example, the DMV must revoke your driver license if you are convicted of three speeding violations within an 18-month period, regardless of how many driver violation points you have.

Insurance companies have point systems that are different from the DMV driver violation point system. The two point systems are not related. Contact your insurance company about their point system. Typically a moving violation such as a speeding ticket will affect your insurance rates.

To get a quote for New York car insurance, click here. 

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