Does 1 Point Affect Auto Insurance? 
In California the answer is anabsoluteyes . California is governed by proposition 103guidelinesand one of the major rating factors is driving record . Every personal lines auto insurance carrier must rate according to your driving record so 1 point will have an impact . This impact can be quite significant . 2 points in a 3 year period and you are no longer considered a California a good driver . This can cause rates to easily double in many cases . I often see clients who move in from out of state who have points on their driving record get a big shock to find out there rates areaffectedby a ticket . So what is a point you may ask . Any minor moving violation is 1 point . A major moving violation can be 2 points with a DUI coming in at 4 points . A minor at-fault accident is 1 point . A at-fault accident that includes bodily injury is 2 points . You may attend traffic school for a minor violation in most areas once every 18 months . All the rest you just have to wait out the 3 years until the points drop off your record . Also some insurance carriers reward drivers for clean driving records that go beyond 3 years so even though your points may have dropped off you still may not be receiving the best rates possible until 5-7 years . And by the way , Insurance carriers in California will check the driving record once a year minimum if not more often . If you move from one carrier to the next an upfront motor vehicle record is always ran . 