Points on your driving record are assessed for speeding and other driving infractions, including failure to wear a seatbelt, improper lane change and more. The more severe the offense, the greater the number of points will be added to your driving record. As points are added, they are assessed over a three year period, so that any points you have received from today back through the last 3 years are counted but points before that will not affect your insurance rates.
Additionally, most insurance companies only review your driving record when you first take out the policy and once a year afterward. This means that points you have on your record today may have expired by the time your insurance comes up for review, and the points by that time would be lower than they are now. You can also choose a one-time driver improvement course to have the points for any single offense removed from your driving record. When you take this option, adjudication is withheld, which means that the offense is removed from your record completely and it is as if the ticket was never written.
If your record is otherwise clean, it would take 1 to 2 speeding tickets to cause an insurance increase. Minor speeding tickets, usually driving less than 5 to 9 miles over the limit, only carry a 1 or 2 point penalty while serious infractions of 15 miles an hour or more over the limit follow an increasing point schedule. If you are stopped for driving at excessive speeds, you may accumulate enough new points to suspend your driving license as well as cause an increase in your car insurance rates.