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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UPDATED: Sep 8, 2021
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- 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:
|Vehicle Discounts:||Driver/Customer Discounts:||Personal Discounts:|
|Active Disabling Device||Claim Free||Emergency Deployment|
|Adaptive Cruise Control||Continuous Coverage||Family Legacy|
|Adaptive Headlights||Defensive Driver||Family Plan|
|Anti-Lock Brakes||Driver's Education||Federal Employee|
|Audible Alarm||Driving Device/App||Further Education|
|Automatic Braking||Early Signing||Good Student|
|Blind Spot Warning||Full Payment||Homeowner|
|Daytime Running Lights||Good Credit||Life Insurance|
|Electronic Stability Control||Multiple Policies||Membership/Group|
|Farm/Ranch Vehicle||Multiple Vehicles||Military|
|Forward Collision Warning||New Customer/New Plan||New Address|
|Garaging/Storing||Occasional Operator||New Graduate|
|Green/Hyrbid Vehicle||Online Shopper||Non-Smoker/Non-Drinker|
|Lane Departure Warning||On-Time Payments||Occupation|
|Newer Vehicle||Paperless/Auto Billing||Recent Retirees|
|Passive Restraint||Paperless Documents||Stable Residence|
|Utility Vehicle||Roadside Assistance||Student Away|
|Vehicle Recovery||Safe Driver||Student or Alumni|
|VIN Etching||Seat Belt Use||Volunteer|
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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.