How Will 3 Points Affect Car Insurance? 
There are many factors to this . 3 points on your insurance score or on your driving record they are two complete different points system here in Montana . You could have 3 no insurance tickets with one carrier that would be 3 point and with another carrier they would not count those as violations and it would not affect the insurance bill at all . Now a DUI which is 3 points on your insurance score can raise you premium with some carriers only as little as 79.00 per 6 months for the next 3 years . Each carrier rates differently so . The question leaves open lots of variables . What are the points from a moving violation or something else . 