Having three penalty points on your licence adds £209 per year to your insurance premium, according to new research.

In total, this results in a figure of over £230 million being added to insurance costs throughout the country, as over 2.6 million British motorists have penalty points on their licence.

The research also shows that premiums remain similar if a driver goes from zero to three points on their licence, currently averaging at nearly £750. Step up to six points, however, and the cost of insurance goes up by more than £400 to an average of £1,159.

On the tail end of the spectrum, those with 12 points on their licence have an average premium of £1,446.

Dan Hutson, head of motor insurance at, who conducted the research, said: “One of the many ways that insurers analyse risk is the number of penalty points that you have on your licence and those statistics put in to focus the serious impact that irresponsible driving can have on a policy.”

“Beyond the obvious safety concerns, drivers should be incentivised by these numbers to take care when on the road or risk being charged a huge amount for cover.”

The comparison site also found that the majority of penalty points come from speeding violations. It accounts for 85 per cent of respondents with points on their licence.

After speeding, the next most common infractions were found to be running a stop sign or traffic light (seven per cent) and using a mobile phone while driving (five per cent).

Meanwhile, almost 75 per cent of drivers with points on their licence said that receiving points made them change their driving habits to be safer on the road, meaning the points system seems to work well.

Hutson added: “It comes no surprise that speeding is by far and away the most common reason for points being added to licences. However, what is encouraging is that the points system works.”


December 4, 2019