Does 1 Point Affect Auto Insurance? 
Not usually depending on the company . If you are changing companies sometimes you could lose a discount but it depends on how the companies underwriting is set up . In most cases just having one point on your license will not raise your rates , in fact many companies , other than periodic spot checking , will only check your driving record if you have an accident or claim or at the time you take out your policy . I have seen drivers with as high as six points getting preferred rates because the company had not checked their driving record . Each company is different and each company varies on how often they check driving records . 