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    "Surchargeable Points" in Massachusetts

    In Massachusetts, the bad driver point system is called "surchargeable points" and is based on the state's Safe Driver Insurance Program. Massachusetts is a state where auto insurance rates are set by the government. So the state's auto insurance companies and the Registry of Motor Vehicles (RMV) work closely together to develop systems that work for everyone involved.

    The Safe Driver Insurance Program allows insurance companies to issue surcharges or discounts on insurance premiums based on driving records. So if you have a poor driving record, Massachusetts will hit you with both mandated insurance surcharges and will also count "surchargeable events" that can result in suspension of your driver's license.

    Every time you are convicted of a moving violation―like a speeding ticket, for example―you get a "surchargeable event" on your record and a resulting charge on your insurance bill. The same holds true for criminal motor vehicle violations, like driving while under the influence of alcohol.

    On the other hand, a clean driving record can reduce your auto insurance costs.

    Surchargeable Point Schedule

    The surchargeable point schedule reflects point assignments in Massachusetts. Surchargeable offense are broken up into the following categories:

    • Major traffic violation.
    • Major at-fault accident.
    • Minor at-fault accident.
    • Minor traffic violation.

    "Surchargeable Points" Affect Your License Status

    In terms of your license status, the Massachusetts RMV cares a lot more about the number of violations you accumulate than the points, which have more to do with your insurance coverage. You face suspensions if:

    • You are accumulate 3 moving violations and/or surchargeable events within a 24-month period.
    • You have 5 surchargeable events within a 3-year period.
    • You have 7 surchargeable events within a 3-year period.

    Check Your Driver's License Status

    If you need or want to check the status of your driver’s license, you might want to order a driving record report. This record will spell out if your driver’s license is currently valid. Should your license have been revoked or suspended, the report will indicate that according to what’s on record at the RMV. This report will also show points against your license and, in some cases, information on any accidents you have had.

    Surchargeable Points and Your Insurance

    Surcharge points will result in increases in your car insurance premium.

    Note: Massachusetts car insurance companies are not required to follow the SDIP; however, they must have their own merit-based rating system to help determine premiums.

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