Best Auto Insurance Companies That Don’t Penalize for Points (2021)

While there is no such thing as auto insurance companies that don't penalize for points, great auto insurance rates from companies like GEICO or SafeAuto can help keep your bank account from running dry. SafeAuto auto insurance rates are only $156/month on average, and while auto insurance companies that don't penalize for points don't exist, drivers can utilize discounts to keep their rates at a reasonable level.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 8, 2021

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Things to Remember

  • Your state’s DMV point system may mirror your insurance company’s point system on occasion, but the two are not the same
  • All insurance companies penalize drivers for having points on their license
  • Points can fall off your insurance after a certain time frame

Sadly, there are no auto insurance companies that don’t penalize for points on your license; if you can’t find auto insurance companies that don’t penalize for points, affordable auto insurance for high-risk drivers can still be purchased online.

While auto insurance for drivers with points on their license can be higher than most drivers would like, knowing how to lower your insurance rates after getting at-fault points can help you keep your bank account from running dry.

Since you can’t find affordable auto insurance companies that don’t penalize for points, discover auto insurance quotes for cheap auto insurance online.

Before learning more about auto insurance companies that don’t penalize for points, enter your ZIP code  to find quotes from companies near you today.

Best Insurance Companies for Drivers With Points on Their License

While you can’t find quotes for auto insurance companies that don’t penalize for points, finding companies with good rates can help you maintain rates that won’t break the bank.

The inexpensive rates available at companies like SafeAuto and Progressive could have you paying less for insurance after getting a point on your license than drivers with clean records at many other major insurance companies.

SafeAuto drivers pay auto insurance rates that are only $156 per month on average whereas clients with other insurance companies could pay close to $200 per month on average. Companies like Esurance and The General also have incredibly low rates available for interested drivers.

Thankfully, most insurance companies only hold points against you for a limited amount of time, typically three to five years. That means once your points have hit their time limit, your policy will be wiped clean of them, and you should see your rates decrease.

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How the Auto Insurance Point System Works

When it comes to insurance points vs. license points, insurance points work a little bit differently. Your state’s DMV will add at-fault accident points to your driving record for certain driving offenses, but your insurance company uses its own point system to set appropriate rates for its drivers.

While your state’s DMV point system may mirror your insurance company’s point system on occasion, the two are not the same.

How Drivers Can Keep Their Rates Low After Getting Points on Their License

While drivers wait for their points to fall off their driving record, they can be proactive and find ways to keep their rates at a reasonable level. One such method is to make your insurance company’s discounts work for you.

For example, a driver who owns their home could bundle together a home and auto policy and earn a multiple-policies discount. Drivers who rent an apartment can benefit from a multi-policy discount too, if they apply for renter’s insurance at the same company.

Drivers who aren’t sure exactly which discounts should be added to their policy are encouraged to examine this list of discounts commonly offered by must insurance companies:

Commonly Available Insurance Discounts
Vehicle Discounts:Driver/Customer Discounts:Personal Discounts:
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-Lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hyrbid VehicleOnline ShopperNon-Smoker/Non-Drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer
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As illustrated above, there are quite a few discounts that drivers can utilize to keep rates low after receiving a point or two on their license. Most of these discounts can be added with minimal effort, but some will require drivers to provide some documentation.

Auto Insurance Companies That Don’t Penalize You for Points: The Bottom Line

If you’re looking for rates for auto insurance companies that don’t penalize for points, looking for another auto insurance company, or simply looking for better rates than what you have now, accomplish your savings and coverage goals by working with a company like The General or SafeAuto.

Both of these auto insurance companies offer their drivers incredibly inexpensive rates that can keep financial worries away even if you do face a rate increase after getting a point on your license.

Now that you know more about auto insurance companies that don’t penalize  you for points, enter your ZIP code to find rates from companies near you.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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